Record every transaction
Add income and expenses with an amount, date, category, account, payment method, merchant and notes. Amounts are stored exactly.
Know where your money goes.
Penny Wise keeps your income and expenses in one place, sorts them into categories and accounts, and shows how each month is going.
From a sentence to a saved transaction
Describe what happened. Penny Wise works out the details, asks only about what is missing, and saves nothing until you confirm.
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Describe
Write what you spent or received, or say it aloud.
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Understand
It picks out the type, amount, date, category and account you mentioned.
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Clarify
If something is missing or unclear, it asks one short question.
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Prepare
Categories and accounts are matched to your own. Nothing is invented.
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Review
You see everything it understood, and can change any detail.
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Confirm
The transaction is saved only after you confirm it.
What you can do
Everything in Penny Wise is about recording money and understanding it.
Organise with categories and accounts
Start with ready-made categories, add your own, and keep cash, bank, card and wallet accounts apart. Archived items keep their history.
See the month at a glance
Income, expenses and savings for any period, income against expenses by month, spending by category and a spending trend.
Find anything quickly
Filter by date, category, account or amount, search your notes, and get totals for exactly what you selected.
Prefer to add it yourself?
Quick add is optional. Every transaction can also be entered by hand in a few seconds.
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Add
Open Transactions and choose Add transaction.
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Fill in the details
Pick income or expense, then enter the amount, date, category and account. Merchant, payment method and notes are optional.
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Save
It appears in your list straight away and your dashboard totals update.
Start with your first transaction
Create an account, add what you spent today, and your dashboard fills in from there.
Create your account