Commerce · alternatives · 2026

24 alternatives to Penny

A personal finance coach that's simpler than Mint

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Penny launched in 2015; 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, an easy way to track your spending▲89

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

   2016 · pennyapp.io · its alternatives →

3. 3
   Pennies▲195

   Incredibly simple personal budgeting app for iOS

   2014 · getpennies.com · its alternatives →

4. 4
   Penny▲11

   Personal finance reinvented

   2015 · pennyapp.io · its alternatives →

5. 5
   Tiny Bank▲195

   A financial app for people with crazy money

   2016 · tinybank.co · its alternatives →

6. 6
   Simple▲161

   Online banking with automatic budgeting

   2014 · pnc.com · its alternatives →

7. 7
   Penny Platform▲7

   A Universal Mobile Banking App

   2016 · its alternatives →

8. 8
   YNAB (You Need a Budget)▲208

   Gain control of your money

   2015 · ynab.com · its alternatives →

9. 9
   Tiny Bank Beta▲127

   An inbox for your money

   2016 · tinybank.co · its alternatives →

10. 10
    inBudget▲106

    Personal financial management app

    2016 · inbudget.net · its alternatives →

11. 11
    Hurdlr▲143

    Simple financials for busy entrepreneurs

    2016 · hurdlr.com · its alternatives →

12. 12
    Ray▲298

    I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.

    Apr 2026 · rayfinance.app · its alternatives →

13. 13
    Moneydance▲111

    Easy to use personal finance software with all the features

    2016 · moneydance.com · its alternatives →

14. 14
    Wally▲86

    Control your money seamlessly

    2015 · soft-club.org · its alternatives →

15. 15
    PennyWhale▲67

    A search engine for fundamental financial data

    2014 · pennywhale.com · its alternatives →

16. 16
    MoneyWiz▲71

    A modern approach to personal finance

    2014 · moneywizapp.com · its alternatives →

17. 17
    Senzu▲117

    Learn how to manage your personal finances

    2017 · kazuha.ai · its alternatives →

18. 18
    Tip Yourself▲137

    Easy, fun and rewarding way to save money

    2017 · earnin.com · its alternatives →

19. 19
    Wealthsimple 2.0▲75

    Smart investing made simpler (and prettier)

    2016 · wealthsimple.com · its alternatives →

20. 20
    Money Lover▲14

    The simplest way to manage your personal finances

    2015 · moneylover.me · its alternatives →

21. 21
    EzyBudget.io▲102

    The simplest app to get the most out of your finances

    2023 · its alternatives →

22. 22
    Worthy – Transparent Personal Finance▲9

    Minimalist and straightforward money tracker

    2017 · its alternatives →

23. 23
    Bud▲78

    Use all your financial services in one place

    2016 · thisisbud.com · its alternatives →

24. 24
    Float▲70

    Simple cash flow management, forecasting and budgeting

    2014 · floatapp.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 →