Pennywick review
A detailed iPhone expense tracker with line-item OCR, budgets, exports, and iCloud sharing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Pennywick is an iPhone and iPad budgeting and expense-tracking app for people who want receipt capture alongside a full personal ledger. It scans receipts from the camera or files, extracts structured expense details on-device, and supports manual entries, budgets, savings goals, spending trends, recurring income and bills, household sharing, and exports. It does not require a bank login or separate account, and it runs on iOS or iPadOS 18 and later.
The free plan includes manual entries, the full ledger, budgets, savings goals, five receipt scans per week, CSV and full backup export, iCloud sync, and Face ID lock. Standard adds unlimited receipt scanning, household sharing, quarterly and yearly insights, recurring entries, and the option to use your own OpenAI or Google Gemini API key. Pro includes everything in Standard plus hosted cloud receipt reading. The published plans also describe Standard as a one-time unlock and Pro as an optional subscription, with current App Store pricing varying by local currency.
Receipt detail is Pennywick’s defining strength: its extraction covers the merchant, date, total, category, tax, tip, payment method, receipt number, and individual line items. On-device OCR and categorization suit users who want receipt data handled within an iPhone-focused workflow, while iCloud and CloudKit Sharing support household use. Foreign-currency conversion uses European Central Bank reference rates. Choose Pennywick if you want detailed personal budgets, receipt-level records, and flexible exports without connecting a bank. Consider an alternative if you need Android access or accounting integrations.
Pennywick pros and cons
- Where it wins
- Extracts merchant, tax, tip, payment, and line-item details
- Includes budgets, trends, savings goals, and recurring entries
- Supports CSV export, full backups, iCloud sync, and Face ID lock
- Where it doesn't
- The free tier allows five receipt scans per week
- Available only on iPhone and iPad
- Does not offer accounting integrations
Pennywick fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update