Pennies-AI
Pennies-AI LLC
About this app
- Age 10
- Updated Mar 30, 2026
- OS IOS / Android
Editor reviews
Pennies-AI is an AI-powered budgeting and expense tracker that makes personal finance simple. It automatically categorizes expenses, builds smart budgets, and forecasts cash flow so you always know what you can safely spend. With secure bank connections or manual entry, it delivers clear insights, savings goal tracking, and timely bill reminders.
Core features include AI-driven categorization and spending insights, smart budgets with safe-to-spend guidance, and goal tracking with progress forecasts. Designed for students, professionals, and families, it supports zero-based budgeting and envelope-style planning. Keywords: AI budgeting app, expense tracker, personal finance, savings goals, bill reminders, cash flow forecast.
Screenshots
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How to use:
1. Download the app and sign up with your email; choose your currency and region.
2. Connect your bank and cards securely, or add transactions manually to start tracking.
3. Create your monthly budget or envelopes, set savings goals, and add bill reminders.
4. Open the dashboard to review AI insights, see categorized spending, and check your safe-to-spend and cash flow forecast.
5. Enable notifications, adjust categories and limits, and export reports when needed for taxes or sharing.