The only finance app that never connects to your bank. Track expenses, set budgets, scan receipts, and grow your financial literacy — all on your terms.
Features
Powerful tools built for real people — not data brokers.
Snap a photo and let AI extract merchant, amount, date, and category — instantly logged.
Earn XP, unlock streaks, complete money challenges, and level up your finances like a game.
Interactive pie charts, line graphs, and category breakdowns with real-time progress bars.
Track stocks, crypto, and collectibles with live price data. Full portfolio in your pocket.
Share budgets with partners, roommates, or family. Collaborative finance without sharing bank access.
Budgeting 101, interactive calculators, and bite-sized lessons to build lasting money skills.
How It Works
No sign-up required. Start tracking as a guest with up to 15 entries.
Type it, scan a receipt, or set recurring entries. Data stays on your device first.
Earn XP, hit budget goals, and watch analytics reveal your spending patterns.
Pricing
No tricks, no trials. The free tier is genuinely useful — VIP just unlocks more.
Privacy First
We built Penny Tracker for people who refuse to hand over their bank credentials to yet another app.
We never ask for, store, or touch your bank login. Period.
Your financial data is never sold, shared, or monetized. Ever.
Works without internet. Your data lives on your device first.
One tap to wipe everything. No retention, no questions asked.
FAQ
Everything you need to know about Penny Tracker.
Get Started
Join thousands of users who track every penny without giving up their privacy.