Pennypot for iPhone
You've earned $42 this month by spending less on the little extras
Free. No account, no bank login.
One number, every day
Kept, not spent. Pennypot doesn't ask you to stop buying coffee. It shows what you keep when you buy a little less of it than usual.
Tick the little extras once
Coffee to go, takeout, treats, impulse buys. You decide what counts as extra; Pennypot remembers the places.
Pennypot learns your usual
Your usual is what the extras cost you on average over the last three months. No history yet? Start from a rough guess.
See what you've earned
Each day adds its share of your usual. Spend less than that on extras and the difference is yours, in one number on one screen.
How spends get in
Three ways, and you can use all of them.
Import a bank statement
Export a CSV from your bank and share it to Pennypot. It reads the layout and remembers your places for next time.
Apple Pay, automatically
A Shortcuts automation adds each Apple Pay purchase to Pennypot the moment you pay.
By hand
Paid in cash? Add a spend in a tap.
Honest on the other days, too
Over by $8 this month.The month isn't over yet.
Spent more than usual? The number says so plainly, and the pot simply waits. No streaks to lose, no guilt. Mark a spend Worth it or Regret, and your ideas take it into account.
Private by design
Your spends stay on your iPhone and in your iCloud. No account, no bank login, no ads, no tracking. To read a statement layout it hasn't seen before, Pennypot sends only the column names and a few scrambled sample lines, never your amounts or shops. Read the privacy policy.