Pennywick
Pennywick is an iPhone app for tracking budgets, expenses, and savings goals, with receipt scanning as one way to record purchases.
What Pennywick is
Pennywick is an iPhone app for tracking budgets, expenses, and savings goals, with receipt scanning as one way to record purchases. Its on-device scanner reads a receipt’s total, merchant, and category for confirmation, and works offline. The app also provides spending trends, category breakdowns, and expected-versus-actual budgets. It can handle foreign-currency receipts and convert them for budgeting. Transactions, budgets, and receipts are stored on the device and in the user’s iCloud with end-to-end encryption; the developer says it cannot read that data. Optional cloud receipt reading is disabled until enabled and sends extracted text rather than the photo. Users can supply an OpenAI or Google API key, or use Pro’s hosted reading. CSV and full backup export are available on every tier, and optional household sharing offers full-ledger or expenses-only modes. Pennywick does not connect to banks. The free plan allows five scans a week. Paid options include Standard for $17.99, paid once and Pro for $3.99 a month or $34.99 a year. It requires iOS 18.0 or later and is iPhone-only.
Good
- Offline on-device receipt scanning
- CSV and full backup export on every tier
- End-to-end encrypted device and iCloud storage
- Supports foreign-currency receipts
- Optional household sharing
Watch out
- iPhone-only; requires iOS 18.0 or later
- Free plan limited to five scans a week
- No bank linking or aggregator integration
Who it suits
Pennywick suits iPhone users who want to track spending from receipts, set budgets, and work toward savings goals. It may appeal to people who prefer on-device scanning and do not want to link a bank account.
Verdict
Pennywick combines receipt-based expense tracking with budgets, savings goals, and exports. Its iPhone-only availability and lack of bank connections are important limits to weigh.
Plans and prices
From Pennywick's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | 5 receipt scans a week · manual entries, ledger, budgets, savings goals, monthly insights, export, Face ID lock and iCloud sync |
| Pennywick Pro (Monthly) | $3.99 a month | Everything in Standard · 150 hosted cloud receipt readings a month · Monthly, auto-renewable |
| Standard | $17.99, paid once | Unlimited receipt scans · household sharing · quarterly and yearly insights · recurring entries · own OpenAI or Gemini API key · One-time purchase |
| Pennywick Pro (Yearly) | $34.99 a year | Everything in Standard · 150 hosted cloud receipt readings a month · Yearly, auto-renewable |
The facts
Each one read from Pennywick's own pages, with the date it was checked.
What it does
- Bank connection
- Pennywick has no bank linking or aggregator integration, and does not ask for banking credentials.checked 7 Oct 2026
- Budgets and goals
- The app provides spending trends, category breakdowns, expected-versus-actual budgets and savings goals.checked 7 Oct 2026
- Data export
- CSV and full backup export are available on every tier, including free.checked 7 Oct 2026
- Household sharing
- Optional household sharing uses Apple CloudKit Sharing, with Family mode sharing the full ledger and Roommates mode sharing expenses only.checked 7 Oct 2026
- Integrations
- The app supports user-supplied OpenAI or Google API keys for optional cloud receipt reading and uses Apple iCloud for sync and household sharing.checked 7 Oct 2026
- Multi-currency
- Pennywick handles foreign-currency receipts and converts them for budgeting.checked 7 Oct 2026
- Notable limit
- The maker says Pennywick is iPhone-only today, with no web or desktop app planned; the browser demo is interactive but is not described as a web app.checked 7 Oct 2026
- Offline use
- Receipt scanning runs on-device with Apple Vision and works offline; optional cloud reading needs a connection.checked 7 Oct 2026
- Optional cloud reading
- Cloud receipt reading is off until enabled and sends extracted receipt text, not the photo; users can use their own OpenAI or Google API key or Pro’s hosted reading.checked 7 Oct 2026
- Privacy and storage
- Transactions, budgets and receipts are stored on the device and in the user’s iCloud, with end-to-end encryption; the developer says it cannot read this data.checked 7 Oct 2026
- Purpose
- Pennywick is an iPhone budget and expense tracker that reads paper receipts and tracks spending and savings goals.checked 7 Oct 2026
- Receipt scanning
- On-device scanning reads a receipt’s total, merchant and category for confirmation before saving.checked 7 Oct 2026
- Support
- The support page says replies arrive within a few days and support requests go directly to the maker’s inbox, without a ticket system.checked 7 Oct 2026
Where it runs
- Device requirement
- The App Store listing requires iOS 18.0 or later for iPhone.checked 7 Oct 2026
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