PennyTalk – Voice Budget

The money app you talk to. Big text. No bank logins. No subscription. Your data stays in your private iCloud.

PennyTalk turns a spoken sentence into a tidy expense in seconds — "I spent five dollars on coffee" and it's done. Built for people who find typing fiddly, and for the family who help them keep an eye on things.

SPEAK IT, AND IT'S TRACKED
Voice entry that understands everyday phrases — on your phone, your voice never leaves it. You check every entry before it saves, and every field can be fixed with a tap. Prefer typing? Every entry can be typed too.

A BUDGET THAT WATCHES WITH YOU (PRO)
Set a monthly limit — PennyTalk quietly lets you know before you pass it. Never a nag, never a block.

INSIGHTS IN PLAIN ENGLISH (PRO)
Spot your regular payments, what changed since last month, and where the month is heading — written as sentences, not charts.

SEE WHERE IT GOES
Clear charts, a category breakdown, and Home Screen widgets — your week at a glance. Free.

WORKS WITH SIRI
Just say "Hey Siri, log an expense in PennyTalk" and it opens already listening.

SHARE WITH FAMILY (PRO)
Send a family member a weekly summary of your spending by email — one tap, and you're always in control.

ONE PAYMENT. NO SUBSCRIPTION. EVER. (PRO)
Insights, PDF reports, budgets, and the weekly family report — one payment covers your whole family.

YOUR DATA, YOUR DEVICE
Stored on your phone and in your private iCloud — never our servers. We count a few anonymous app events to improve PennyTalk, never your financial data or your voice. Export everything as a spreadsheet anytime, free.