PennyWise is nolonger available
PennyWise has been removed from the App Store and can no longer be downloaded. Thank you to everyone who used it to track their spending and pay down their debt. This page stays online as a record of what the app did.
Still have questions?
If you were a PennyWise user and need help with your account or your data, get in touch and we'll come back to you.
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Dashboard
Everything you needed to crush your debt
Smart budgets, personal tips, and powerful tools that helped you track your money and reach financial freedom faster.
Your debt-free date
PennyWise calculated exactly when you'd be debt-free based on your current payments. Your freedom date moved closer as you made progress, and you could see how extra payments saved you months or years.
*An illustrative figure the app showed for a £100/month extra payment. It was never a guarantee, and results differed for every user.
Daily Check-In
Daily expense tracking built healthy money habits. You logged your spending in seconds, built a streak, and stayed accountable to your budget every single day.
- Quick expense logging
- Daily spending vs budget target
- Streak tracking for motivation
Smart Budgeting
You built a budget that actually worked for you, saw exactly where your money went with beautiful category breakdowns, and tracked your daily budget in real-time.
- Visual category breakdown
- Daily budget tracking
- Debt repayment built-in
What-If Simulator
You could see exactly how extra payments changed your debt-free date. Sliding to add extra monthly payments moved your freedom date closer in real-time.
All Your Debts, One Place
Credit cards, loans, and overdrafts lived in one dashboard. You saw your total debt, annual interest cost, and which debt to focus on next based on your chosen strategy.
- Track all debt types
- See annual interest costs
- Log payments as you go
Your Choice of Strategy
Payoff strategies sat side by side, so you could see exactly how "Cost Saver" (avalanche) and "Quick Wins" (snowball) affected your debt-free date and total interest paid.
Your Financial Health Score
A personalised score out of 100, based on your debt, interest rates, and savings. It moved as you paid down debt and built better financial habits.
How PennyWise worked
Three steps, from debt and chaos to clarity and control.
Add Your Debts
You entered your credit cards, loans, and overdrafts with their interest rates.
Create Your Budget
You set up a monthly budget with categories that matched your lifestyle.
Watch Debt Disappear
You tracked daily spending, followed your payoff plan, and celebrated milestones.
Your data was safe
with us
PennyWise was built to the same security standards as major banks. Your financial data was encrypted end-to-end and protected with enterprise-grade security.
Bank-Level Encryption
256-bit AES encryption for all data
Secure Authentication
Phone verification and PIN protection
Data Privacy
Your data was never sold or shared with third parties
Protected by
Enterprise-grade security
Compliant
Registered
Encryption
Authentication
Thank you for
crushing your debt
PennyWise is no longer available on the App Store. We're grateful to everyone who used it to take control of their money. If you have a question about your account or your data, we're still here to answer it.