Penny
Penny is a small, independent app. Here are answers to the most common questions, and how to reach a human.
Contact us
Email: support@domain coming before launch
Our support address is being set up for launch. We don’t collect your email in the app, so when you write to us, please tell us roughly when the problem happened and what you were doing.
Common questions
How do I log an expense?
Type it the way you’d text a friend, for example “lunch 12” or “coffee 5.50 and uber 18”. Penny shows a card for each thing it found. Tap to edit, then save. You can also use voice, a receipt photo, the Quick log widget, Siri and Shortcuts.
Penny got an amount or category wrong. How do I fix it?
Anything Penny figures out from a message waits for you to confirm it, so tap the card to edit before saving. For saved entries, open the Expenses tab, tap the entry and change it.
What is “Ready to Assign”?
It’s money you have that doesn’t have a job yet. Move it into envelopes (like rent, groceries or fun) on the Plan tab, or tap “Assign it for me” and Penny suggests a split based on your targets and goals. You can always change it.
How do credit cards work in Penny?
When you log a purchase on a card, Penny moves that amount into the card’s payment envelope, so the money to pay it off is already set aside.
What is the cloud helper?
Most messages are understood on your iPhone. For the few it can’t handle, Penny can ask an optional cloud helper (Anthropic’s Claude, through Penny’s server), and only after you say yes in the chat. Change your choice any time in Settings → Privacy → Cloud helper.
How do I move Penny to a new phone?
Sign in with Apple in Settings before you switch. Your entries are backed up to Penny’s server, and signing in on the new phone restores them. If you never signed in, your data may not be recoverable after you lose or reset your phone.
How do I export my data?
Settings → Export expenses gives you a CSV file. It’s free for everyone.
How do I add a friend?
Share your friend code, or enter theirs. Friends can visit each other’s islands, send vibes and gift spare Pals. They never see your money, and there’s no chat between users. You can remove or block a friend at any time.
Penny said something wrong or unkind. What do I do?
Report the reply from inside the app. We review reports and use them to fix bad replies.
Delete your account and data
- Open Penny and go to Settings.
- Tap Delete account and data and confirm.
This deletes the data on your iPhone right away and asks Penny’s server to permanently delete your account and every related record. Deletion from live systems is immediate, and copies in backups are overwritten within 30 days.
Deleting your account doesn’t cancel a Premium subscription. Apple manages subscriptions, so cancel it separately (see below).
Cancel a subscription
Penny Premium is billed by Apple. To cancel:
- Open the Settings app on your iPhone.
- Tap your name, then Subscriptions.
- Tap Penny, then Cancel Subscription.
You keep Premium until the end of the period you’ve paid for. To avoid being charged after a free trial, cancel at least 24 hours before the trial ends. Deleting the app doesn’t cancel a subscription.
Refunds
Apple handles all payments and refunds. Request one at reportaproblem.apple.com. We can’t issue refunds directly.
If you’re in crisis
Penny is a budgeting app and can’t help in an emergency. In the US or Canada, call or text 988 (Suicide & Crisis Lifeline) any time. If you’re in immediate danger, call 911. Read more on our safety page.