PennyPilot - Budget Tracker

PennyPilot shows you where your money actually goes — what you own, what repeats every month, and where this month is heading — without an account, an ad, or a server holding your finances.
SEE THE WHOLE PICTURE
• Net worth across every account, with snapshots you can take and a history to look back on
• A projection for the month, so you know where you land before you get there
• Budgets by category, upcoming bills, and progress toward savings goals
• A dashboard you can rearrange to put what matters to you at the top
ALIGN EVERYTHING TO ONE CADENCE
This is the part you won't find elsewhere. Re-express every recurring amount in a single cadence and compare things that were never comparable. See a quarterly insurance bill and a monthly subscription as what they each cost per paycheck. Daily, weekly, biweekly, twice a month, monthly, quarterly, semiannual and yearly are all supported.
TRACK WHAT REPEATS
• Salary, rent, subscriptions and bills post to your ledger automatically on schedule
• Every row shows its real amount and its converted per-cadence figure side by side
• Optional reminders before a bill is due
• Spot subscriptions hiding in your spending, with a direct link to manage or cancel them
SPLIT COSTS WITHOUT SHARING EVERYTHING
Split an expense any way you like, invite a partner or housemate to a shared group, and see who owes what. Shared through iCloud, between you and the people you invite. Only that group is shared — your accounts, balances and everything else stay yours alone.
UNDERSTAND YOUR SPENDING
• Category breakdowns with a donut chart and ranked percentages
• Net trend over time, and a forecast of the month ahead
• The annualized weight of your fixed commitments, in one number
• A calendar view of everything landing this month
• On devices with Apple Intelligence, a plain-language read on your spending, generated entirely on your iPhone or iPad
PRIVATE BECAUSE OF HOW IT IS BUILT
• No account. You never sign up, and there is no password to lose
• No ads, no analytics, no trackers, no third-party SDKs
• Nothing is sent to us — there is no server on our end to send it to
• Turn on iCloud Sync and your data goes to your own private iCloud, under your Apple Account, which we cannot read
• Lock the app behind Face ID, hide every amount with one tap, and blur your finances in the app switcher
• Erase everything from the device whenever you want
BRING YOUR DATA IN AND OUT
PennyPilot does not ask for your bank login, and does not use an aggregator — those route your credentials through someone else's servers. Instead, export a CSV statement from your bank and import it here. Columns are detected automatically and you review every row before it is saved. Export back out to CSV any time; nothing is locked in.
ALSO INCLUDED
• Home Screen widgets
• Full iPad layout with a sidebar, not a stretched phone app
• English and French
• Built with SwiftUI and designed for Liquid Glass on iOS and iPadOS 26
PennyPilot is a tracking and budgeting tool. It does not provide financial, investment or tax advice.