PennyFi is a privacy-focused personal finance app for iOS that offers budgeting, investment tracking, and debt payoff tools. Below are 34 personal finance & budgeting apps with similar functionality to PennyFi, matched by what each product actually does — not ranked or scored. Explore each to find the closest fit for your use case.
Pennylog: Money Tracker is a mobile app for tracking daily expenses in any currency, with features for budgeting, project grouping, and detailed statistics. It helps users manage their finances without requiring bank logins or sign-ups, making it simple and private.
Budgetly is a finance tracking app for iOS that enables users to manage budgets, track expenses, and set savings goals. It supports multi-currency accounts, offline use, and household sync, catering to individuals seeking a one-time purchase finance solution.
Fince is an AI-powered budget tracker that helps users log transactions, set budgets, and receive personalized financial insights. All data remains private on the user's device, with no bank connection or account required, making it ideal for privacy-conscious individuals managing their finances.
Simply Finance is a personal finance app that allows users to track expenses, set budgets, and manage recurring bills. It works offline, requires no account, and offers privacy-focused features, making it ideal for individuals seeking a simple, ad-free finance management tool.
Pefi: Private Vault is a personal finance app that helps users track expenses, assets, budgets, and net worth securely on their device. It offers dashboards, alerts, and recurring transaction management without requiring bank connections or data sharing.
Penny: Subscription Tracker allows users to organize and monitor all their recurring subscriptions in one place. It provides spending analytics, bill reminders, and a calendar view to help users avoid surprise renewals. Ideal for individuals looking to manage personal finances and control subscription costs.
BudgetLenz is a privacy-focused personal finance app that consolidates accounts, tracks spending, and supports envelope budgeting. It features an AI assistant for insights, multi-currency support, and secure device-first data handling. Ideal for users seeking control and clarity over their finances without compromising privacy.
Pocket is a mobile app designed to help users track and manage their expenses with minimal effort. It learns spending habits, suggests categories and merchants, and provides a dashboard to monitor budgets and upcoming expenses. The app is ideal for individuals seeking a smarter, faster way to manage personal finances.
Budget App + Expense Tracker is a privacy-focused personal finance app for iOS. It allows users to track expenses, set budgets, manage multiple accounts, and export data, all without requiring cloud sync or subscriptions.
Pulse: All-in-One Finance is an iOS app that consolidates users' financial accounts, budgets, investments, and assets into a single dashboard. It supports multiple currencies, portfolio tracking, RSU management, and offline data storage with iCloud sync, designed for power users and investors.
iFinance 5 is a personal finance management app for iOS that helps users track income, expenses, and budgets. It offers analytics, charts, bank sync, and multi-currency support, making it suitable for individuals seeking to optimize their finances and spending habits.
BudgetLabs: Money Manager is an iOS app that offers AI-powered budgeting, receipt scanning, and smart bank statement import. It supports zero-based budgeting, scenario planning, and goal tracking, helping users manage their finances and spending habits efficiently. Free and paid plans are available.
Cash Flow Monthly: Budget is an iOS app for personal finance management, offering budget tracking, goal setting, recurring payments, and multi-currency support. It is a one-time purchase app designed for users who want to manage their finances without subscriptions.
Capital Monitor is a privacy-focused personal finance app for iPhone and iPad. It lets users track income, expenses, budgets, and savings goals without sending data to external servers. Designed for individuals seeking a secure, comprehensive overview of their finances.
iClara PFM is an iOS app for envelope budgeting and expense tracking. It operates fully offline, offers privacy-focused features, visual dashboards, and reminders, helping individuals manage their finances without cloud sync or subscriptions.
AssetMe: Net Worth Tracker enables users to monitor their assets, liabilities, and overall net worth in a single dashboard. It supports multiple currencies, custom categories, and provides timeline forecasts for future cash levels. Designed for individuals seeking a secure, offline way to manage and understand their financial position.
Money Manager: Budget Pro is a personal finance app for iOS that enables users to track expenses, manage multiple accounts, set and monitor budgets, and achieve financial goals. It features an AI assistant for personalized financial advice, customizable dashboards, and advanced reporting tools. Ideal for individuals seeking to organize and optimize their finances.
TallyBud is a private, offline expense tracker for iOS that lets users set budgets, log expenses quickly, and view spending history. It requires no account or bank connection, supports custom categories, and allows CSV export for personal finance management.
Float is a personal finance app for iOS that helps users manage multiple budgets, track expenses, scan and organize receipts, and use financial calculators. It prioritizes privacy and offers tools like bill splitting and currency conversion for individuals managing their finances.
Budget Planner - BudgetBear is an iOS app designed to simplify personal finance management. It offers features like expense tracking, custom budgets, recurring payments, spending charts, and multi-currency support. Suitable for individuals looking to gain control over their finances and spending habits.
Basis Budget: Money Tracker is an iOS app that helps users manage their finances with both zero-based and spending limit budgeting modes. It offers manual and automated tracking, encrypted data storage, and privacy-focused features, making it suitable for individuals who value control and security over their financial information.
MyMoneyPal is a personal finance app for iOS that streamlines expense tracking with manual, photo, and voice input. It uses AI (OpenAI) for automatic transaction categorization, supports 145 currencies, and offers flexible budgeting and a couples account feature. Designed for individuals and partners.
Flowy Budget is an iOS app that brings daily budgeting and expense tracking to the Dynamic Island and Lock Screen. Users can quickly log expenses, set savings goals, and view spending history in a minimalist, privacy-focused interface. Ideal for individuals seeking simple, on-device financial management.
TalkCents is a mobile app designed to help users address financial anxiety and improve their relationship with money. It offers daily lessons, podcast-style conversations, reflection prompts, and tools for tracking progress and connecting accounts. The app focuses on building emotional safety before introducing practical financial management features, making it ideal for individuals seeking a mindful approach to personal finance.
Keepy is a personal finance app for tracking expenses, managing multiple accounts, setting budgets, and generating financial reports. It offers a simple interface, custom categories, and offline support for users seeking better money management.
FixFin is an offline, privacy-focused personal finance app for tracking budgets, expenses, and income. It supports multiple accounts, recurring transactions, debt tracking, and provides detailed reports and budgeting tools. All data stays on your device, ensuring privacy for users who want secure, local financial management.
LitePennie is a minimalist personal finance tracker for iOS, allowing users to log transactions in seconds, view visual spending reports, and set reminders. All data is stored locally for privacy, with CSV export and personalization options, making it ideal for privacy-conscious users.
Splitrate helps users manage recurring expenses, split costs with others, and set budgets and savings goals. It offers flexible splitting options, reminders, and clear overviews of who owes what. Designed for roommates, couples, or anyone needing to track shared or personal finances.
Franc — Private Money Tracker is a privacy-focused personal finance app for iOS. It tracks accounts, transactions, and budgets entirely on-device, with features like voice entry, CSV/JSON import/export, and subscription tracking. Ideal for users valuing privacy and control.
Payment Tracker: PayPing is an app for tracking bills, subscriptions, and expenses. It offers reminders, calendar views, custom categories, and offline support, helping users manage their finances and avoid missed payments.
CapitalFlow is a German-language personal finance app that tracks income, expenses, and recurring costs. It offers budget analysis, monthly comparisons, and category-based budgeting, helping users gain clear insights into their financial situation and spending habits.
Pockyt Wallet is a personal finance app featuring AI-powered receipt scanning, a conversational finance coach, budget jars, spending insights, multi-currency support, and privacy-first design. It helps users track expenses, manage accounts, and improve financial health.
Granule is a personal finance app that helps users track budgets, monitor net worth, manage subscriptions, and forecast year-end finances. It offers daily spending notifications, a financial health score, and privacy-focused local data storage for individuals seeking comprehensive money management.
Parawise combines personal budgeting and small-business bookkeeping in one app, offering AI-powered financial insights, smart expense input, and dual workspaces for personal and business finances. It supports team access, inventory, and order management, making it suitable for individuals and small business owners.
