Commerce · alternatives · 2026

24 alternatives to Penny, an easy way to track your spending

Meet Penny, your personal finance coach. Spend smarter, save more, live happier.

Penny was a personal finance app that tracked income and spending while providing financial information through chat interactions. Designed for individuals seeking to understand their spending habits, it offered a… Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Penny, an easy way to track your spending launched in 2016; newer entries below may have overtaken it.

1. 1
   Penny 2.0▲222

   Your friendly personal finance coach

   2017 · pennyapp.io · its alternatives →

2. 2
   Penny▲245

   A personal finance coach that's simpler than Mint

   2015 · pennyapp.io · its alternatives →

3. 3
   coins▲69

   A simple app that manages your personal finance

   2021 · apps.apple.com · its alternatives →

4. 4
   Pennies▲195

   Incredibly simple personal budgeting app for iOS

   2014 · getpennies.com · its alternatives →

5. 5
   PennyPal - Expense Tracker & Budget App▲8

   Track expenses and manage finance with personal finance app.

   2024 · play.google.com · its alternatives →

6. 6
   Penny: AI Money Manager App▲3

   Expense & Budget Spend Tracker

   Apr 2026 · apps.apple.com · its alternatives →

7. 7
   Finance Budget Expense Tracker▲135

   Track expenses, budget, manage bills, and save money

   2024 · play.google.com · its alternatives →

8. 8
   Penny Pulse▲4

   Manage Your Finances and Budget with AI Insights!

   2025 · its alternatives →

9. 9
   PennyMaster▲14

   Get a nudge of your spending. Build better habits with AI

   2025 · its alternatives →

10. 10SA
    Spendy – a simple money tracker (iOS app)▲59

    2014 · dl.dropboxusercontent.com · its alternatives →

11. 11
    Silver Pennies▲99

    Your personal finance AI agent that helps you save money

    2025 · its alternatives →

12. 12
    Rich Finance Tracker▲103

    Automate your finance tracking in Notion

    2022 · inotion.gumroad.com · its alternatives →

13. 13
    Penny - Budget Tracker▲3

    A penny saved is a penny tracked

    Jan 2026 · penny.asuda.agency · its alternatives →

14. 14
    Rocky App▲83

    Budget & expense tracker

    2023 · its alternatives →

15. 15
    My Wallet▲13

    Smart personal finance tracker for your daily life

    Oct 2025 · apps.apple.com · its alternatives →

16. 16
    Shillings▲84

    Your pocket income forecaster & tracker

    2023 · getshillings.com · its alternatives →

17. 17
    Money Flow▲71

    The best personal finance app

    2021 · play.google.com · its alternatives →

18. 18PA
    Pennyearned, a pinboard like spending tracker▲10

    2016 · pennyearned.in · its alternatives →

19. 19
    Financial - Manager & Tracker▲63

    A better way to manage your income, expenses & debts.

    2024 · apps.apple.com · its alternatives →

20. 20
    Penny Logs▲14

    Track your cash spending — free, simple, and no sign-up.

    2025 · pennylogs.app · its alternatives →

21. 21
    How I Spend My Money▲25

    Track and control your money with just a picture

    2025 · howispendmy.money · its alternatives →

22. 22
    Emma, your best financial friend▲19

    Take control of your money. Connect all your accounts, set budgets, categorise expenses, track bills and subscriptions at ease. Start saving smarter with Emma app.

    2019 · emma-app.com · its alternatives →

23. 23
    BudgetPulse: Spend Tracker▲11

    Track income and expenses, keep your budget under control.

    2025 · play.google.com · its alternatives →

24. 24
    Wise Budget▲18

    Master your money with smart, simple budgeting

    2025 · play.google.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →