For Windows
An expense tracker that lives on your PC, not in the cloud.
Penny is a real Windows app: it works offline, keeps your money data encrypted on your computer, and never asks for a bank login. Free from the Microsoft Store for Windows 10 and 11.
Made for the desktop
- Desktop widget: today's safe-to-spend number, your budgets, what's coming up and a quick-add box, always on screen.
- Windows notifications for bills and reminders, even when Penny is in the tray.
- Bank statements in seconds: drop in the CSV, OFX or QFX file from your bank's website. Messy descriptions become clean names and duplicates are skipped.
- Keyboard first: Ctrl+K to search or ask Penny a question; add a purchase by typing “coffee 4.50 yesterday” and it's filed.
- Export to Excel whenever you like. Your data is never locked in.
- Looks at home: light and dark themes that can follow your Windows accent colour.
Private, properly
- Your data is encrypted with AES-256, tied to your Windows account. Add a passcode and a recovery key for a second lock.
- No account, no servers, no analytics, no ads. Nothing about your money leaves your PC.
- Automatic, verified backups, and privacy mode hides every amount with one click.
More than a list of expenses
Penny tells you what's safe to spend today after the bills still to come, plans each paycheck, shows tight days ahead on a cash-flow calendar, and ranks insights by the money at stake: price rises, double charges, free trials about to end. See every feature.
Questions
Is Penny free?
Yes. No ads, no account, no subscription to see your own data.
Why the Microsoft Store?
Store apps are checked and signed by Microsoft, install in one click and update by themselves.
On my phone too?
Penny for Android is in testing. Join the test.
Your money, on your PC. Nowhere else.
No account to make. Install it and start.