Your Intelligent Financial Companion

Dashboard & Hidden Balance

When you open the app, your total money is hidden for privacy. Simply tap the "Eye" icon to reveal your wealth.

Auto-Expense Tracking

Stop typing. Pennytail automatically reads your bank SMS texts and logs your expenses so you don't have to lift a finger.

Manual Transactions

Easily log cash expenses or incomes, categorize them precisely, and track your payment methods with a few taps.

Smart Budgets

Set dynamic monthly spending limits for any category (like "Food" or "Entertainment") and always know what's left.

Savings Goals (Pots)

Create custom goals like "Buy a Car" or "Vacation" and track your progress visually as you save up.

Debt & Asset Tracker

Keep a pristine record of the money you owe to others, and the money that other people owe you.

AI Spending Alerts

Powered by Gemini, Pennytail watches your money. It alerts you to double charges, price hikes, and unusual spending.

Gift Card & Voucher Wallet

Save your gift cards in one place. Pennytail tracks their expiry dates and sorts them so you remember to use them.

Recurring Bills

Track upcoming monthly bills (like Rent or Netflix) so you know exactly what is due in the coming days.

PIN Lock Security

Lock the entire app with a secure 4-digit PIN. Your finances remain strictly confidential, even if someone borrows your phone.