SavvyPenny is a chat-first budget assistant. Type it, or just say it, and Penny logs it, budgets it, and roasts you a little along the way. No forms. No spreadsheets. No accounting.
Free to start · No spreadsheet skills required · English & العربية
Amount fields. Category dropdowns. Sub-sub-categories. Five taps to log a coffee. That's not budgeting, that's unpaid data entry.
Seven fields, three dropdowns and a date picker. To log a latte.
✓ Amount, category, date: Penny figures it all out
✓ Works typed, spoken, in English or Arabic
✓ Edit or delete any entry right in the chat
Tap a message and watch Penny do the bookkeeping. Witty commentary included, free of charge.
Say "paid 50 fuel" and Penny records the amount, category and time, then hands you a witty one-liner. Today, yesterday and this week sit right on top.
Pick auto (income ÷ days), a custom daily cap, or let a savings goal drive it. Penny does the math from there.
Type "Chris paid 45 for pizza" and Penny records who paid, who shares, then computes the fewest transfers to settle up.
Monthly KPIs, a daily overview chart and category breakdowns, built automatically from the messages you already sent.
Income and spending on every single day. Tap a day to see exactly what happened. (Tuesday knows what it did.)
Keep scrolling to flip through the app ↓
Penny gives you a simple daily allowance. Spend less than it and the leftover carries forward. Spend more and it's paced across the month instead of panicked over.
And you're only ever "over budget" if you blow the month's budget. One expensive Tuesday won't get you flagged. 📆
Trips, dinners, flatmates. Say who paid what and Penny computes the fewest possible transfers so everyone's square.
Hold to record up to 30 seconds. Penny transcribes it, logs it, and reads a short witty line back. An animated voice orb shows when she's listening, thinking or speaking.
Listening…
"صرفت ٢٥ عالتكسي" 🚕
Penny reacts to what you log, happy for a normal buy, concerned for a big one, full celebration for income. Meet the family.
Default face. Inspects your receipts with distinguished suspicion.
Welcomes you in like it's a members' club for people with budgets.
Shows up in reports & insights. Has definitely read your category breakdown.
Streaks, wins, payday. Brings the sparkle, sends the push notifs.
"Crunching the numbers… they're crunchy."
The engine behind the app also powers a Telegram bot, log a shawarma from wherever you already chat.
Email & password accounts with secure per-user data. Penny gossips to you, never about you.
Type it. Say it. Penny handles the rest, and keeps the receipts (literally).
Free to start · Also on Telegram · English & العربية