Know exactly where your money
goes every month
PenniesTrack gives you a beautiful dashboard to track expenses, set budgets, and hit your financial goals. Free forever — upgrade to Pro for unlimited AI insights at $5.99/month.
Total Income
$5,240
March 2025
Total Expenses
$3,180
March 2025
Net Savings
$2,060
March 2025
Monthly Spending Trend
By Category
Everything you need
Powerful features, simple design
Everything you need to manage money — budgets, debt, goals, bills, and net worth — completely free. No bank login required.
Beautiful Dashboard
See your complete financial picture at a glance. Monthly summaries, spending charts, and budget progress all in one view.
Transaction Tracking
Log every income and expense. Filter, search, and categorize with ease. Add notes and tags for full clarity.
Smart Budgeting
Set monthly budgets per category. Get instant visual feedback when you're on track, at risk, or over budget.
Spending Reports
Understand your habits with monthly and yearly reports. Compare periods and spot trends in your spending patterns.
Financial Goals
Create savings goals for anything — emergency fund, vacation, new car. Track progress with beautiful visuals.
Multiple Accounts
Track all your accounts — checking, savings, credit cards, investments, and loans — and see your net worth.
CSV Import
Import transactions from any bank using CSV files. Map columns visually and import hundreds of transactions at once.
Privacy First
No bank connections means no sharing your credentials. Your financial data stays in your control, always.
Net Worth Tracker
See your wealth grow month by month. Track total assets, liabilities, and your net worth trend over 12 months.
Bills & Subscriptions
Track every recurring bill and subscription. See your total monthly cost and mark bills paid — never miss a payment.
Debt Payoff Planner
Use the avalanche or snowball method to pay off debt. See your exact debt-free date and total interest saved.
Couple & Household Budget
Invite a partner and share budgets, accounts, and goals. Perfect for couples managing finances together.
Savings Score
Get an intelligent score (0–100) showing how well you're saving. Free users get a formula-based breakdown; Pro users get an AI-written narrative analysis.
AI Bill Scanner
Snap a photo of any receipt or bill. AI instantly extracts the merchant, amount, date, and category — then pre-fills the transaction for you. Pro only.
Voice Transactions
Say "spent 200 at Zomato" and AI creates the transaction instantly. Works with Siri Shortcuts and Google Assistant too. Pro only.
Get started in minutes
How PenniesTrack works
No bank integrations to configure. No complicated setup. Just simple, powerful finance tracking.
Create your account
Sign up in seconds. Create your free account with full access to all core features — no credit card required.
Add your accounts & transactions
Set up your bank accounts, credit cards, and savings. Add transactions manually or import them from a CSV file.
Get insights & take control
See where your money goes, set budgets, create savings goals, and build better financial habits.
Loved by users
Real people, real results
Join thousands who track their finances with PenniesTrack
“Finally a finance app that doesn't nickle-and-dime me every month. The free plan has everything I need, and I upgraded to Pro for the AI insights. The dashboard is beautiful and I actually understand where my money goes now.”
Sarah M.
Freelance Designer
“I switched from YNAB after getting tired of the yearly subscription. PenniesTrack has everything I need — budgets, spending charts, account tracking. The CSV import made migrating my data painless.”
James R.
Software Engineer
“The privacy aspect sold me. I was never comfortable connecting my bank account to Monarch or Mint. With PenniesTrack, I import CSVs and my banking credentials stay completely private.”
Priya K.
Small Business Owner
“Simple to use, looks great, and works exactly as advertised. The savings goals feature helped me save for a vacation in 6 months. The free plan is more than enough for most people.”
Michael T.
Teacher
“I tried every budget app out there. PenniesTrack is the only one I actually stuck with because the dashboard makes it so easy to see everything at once.”
Elena W.
Nurse
“The one-time pricing is a game changer. I've saved $200+ compared to YNAB over the past two years, and PenniesTrack does everything I need and more.”
David L.
Marketing Manager
Simple pricing
Free forever. Upgrade for AI superpowers.
Full access to all core features at no cost. Upgrade to Pro for unlimited AI insights and advanced planning tools.
Free
No credit card required
- Unlimited transactions
- Unlimited accounts
- All spending categories
- Monthly & yearly reports
- Budget tracking
- Savings goals
- CSV & Excel import
- Net worth trend chart (12 months)
- Recurring bills & subscription tracker
- Debt payoff planner (avalanche & snowball)
- Wish List & impulse control
- Monthly saving badges
- Multi-device sync
- Dark & light mode
- 1 AI budget insight / month
- Savings Score (formula-based breakdown)
- Privacy-first (no bank logins)
- Works in every currency worldwide
Free forever. No credit card required.
Pro
Cancel anytime
- Everything in Free
- 50 AI insights / month
- AI Budget Planner & Coach
- AI Savings Score narrative analysis
- AI Bill Scanner — photo to transaction
- Voice transaction entry
- Household & couple budget sharing
- Shareable financial summary cards
- Priority support
Sign up free, upgrade to Pro anytime.
30-day money-back guarantee on Pro. No questions asked.
Ready to take control of your finances?
Create your free account today. No credit card required. Upgrade to Pro for unlimited AI insights at $5.99/month.