Budget & Receipts,
kept private.
Pennywick is a private budget and expense tracker for iPhone that reads your paper receipts. Snap a bill, track every expense, and watch your savings goals grow — on your device and your own iCloud. No bank login, no account, no ads.
Scan a receipt.
Watch it land.
This is Pennywick's real interface, running in your browser. Pick one of the sample receipts, watch it get read, and see it turn up in your ledger — the same three taps the app does on your phone.
- Three taps. Scan, glance, save — the whole loop.
- On device. Receipts are read on your phone, never uploaded.
- Really interactive. Every tab below works. Nothing is a screenshot.
Overview
Everything a budget needs. Nothing it doesn't.
Scan any receipt
Point your camera at a bill and Pennywick reads the total, merchant, and category for you — then lets you confirm before it saves.
See where it goes
Spending trends, category breakdowns, and expected-vs-actual budgets make it obvious where your money is really going.
Reach your goals
Set savings goals, track progress with clean rings, and keep a savings streak going month after month.
Multi-currency
Spent in HUF but budget in EUR? Pennywick handles foreign-currency receipts and converts them cleanly.
Your money stays your business.
Pennywick stores your transactions, budgets, and receipts on your device and in your own iCloud — end-to-end encrypted, where the developer can't see them. There is no account beyond your Apple ID, no ad tracking, and no third-party analytics. Receipt scanning and categorization run on-device by default.
You can choose to have receipts read by a cloud model instead — with your own API key, or with the cloud reading included in Pro. Both are off until you turn them on, and either way only the text of a receipt is sent, never the photo.
It is also why Pennywick asks to be paid for at all. Nothing here is funded by advertising or by what can be learned about you — the app is free to use, and one optional purchase covers the rest. You pay for the product instead of being it.
Three ways to track spending.
This compares approaches, not individual products. Any specific app's own privacy policy is the authority on what that app does.
| No bank login, on-device (Pennywick) | Bank-linked, via an aggregator | Cloud receipt scanner | |
|---|---|---|---|
| Banking credentials required | No | Yes, through an aggregator | No |
| Where a receipt is read | On your phone | Not applicable | On the vendor's servers |
| Receipt photo leaves your device | No | Not applicable | Yes |
| Where your ledger is stored | Your device, and your own cloud | The vendor's servers | The vendor's servers |
| Account and password required | No — your Apple ID only | Yes | Usually |
| Automatic transaction import | No | Yes | No |
| Works with no connection | Yes | No | No |
| Spending you forgot about | You have to notice it | Found for you | You have to notice it |
Read the last two rows together: on-device reading is the stronger privacy position and the weaker completeness position. That is the trade, and no marketing changes it.
Answers, not a sales pitch.
What people ask before installing.
Does Pennywick connect to my bank account?
No. There is no bank linking and no aggregator, and it never asks for banking credentials. You add spending by scanning a receipt or typing an entry.
Where is my financial data stored?
On your iPhone, and in your own iCloud account if you turn sync on. There is no Pennywick account and no copy the developer can read.
Does receipt scanning work offline?
Yes. Receipts are read on your device with Apple Vision, so it works on a plane or in a basement. Only the optional cloud reading needs a connection.
Is there an Android, web or desktop version?
Not yet. Pennywick is iPhone only today and needs iOS 18 or later. An Android version is on the way, and the aim is early 2027 at the latest; there is no web or desktop app planned. Until then the demo on this page runs in any browser.
What does it cost?
One purchase unlocks everything the app does on your device. The separate Pro subscription exists only for cloud receipt reading, because that costs money every time it runs.
Is this the same app as Penny, Pennies or Pennyworth?
No — those are different apps from different developers. Pennywick is the one that reads receipts on your device and never links to a bank.
More on the support page.
Reading this on a computer?
Point your phone's camera at the code and it opens Pennywick on the App Store.