My Penny

Penny is a calm, private way to see exactly what you can safely spend — without spreadsheets, bank logins, or an expensive subscription. Most budgeting apps overwhelm you with charts or ask for your bank passwords. Penny does the opposite: you enter your income, bills, and goals, and it turns everything into one clear number — your Safe to Spend for the rest of the month. Everything stays on your device. No bank connections. No ads. No tracking. SAFE TO SPEND • One clear number for what’s left to spend this month • Automatically accounts for income, bills, spending, and savings BUDGETS THAT MAKE SENSE • Simple category budgets with healthy / near-limit / over states • See planned vs. spent at a glance BILLS & REMINDERS • Track recurring bills and due dates • Optional reminders before a bill is due SAVINGS GOALS • Set goals and see how much to save each month to reach them DEBT &…