Your money, clearly
Know what you can spend — before you spend it.
MyPennyPal turns your income and bills into one honest number: what is genuinely left this month. No spreadsheets, no guesswork.
Everything in one calm place
Built for real budgets — including ones that do not run in dollars.
A budget that fits you
Start with 50/30/20 or 70/20/10, set your own percentages, or give every category its own envelope. Change your mind whenever.
One clear monthly view
Income, spending and what remains — in one place, without a spreadsheet. See where the money actually went, by category and over time.
No more surprise bills
Add rent and subscriptions once. They appear every month, and you get a nudge before they are due rather than after.
Goals you can watch fill
Set a savings target and track it. Test a “what if?” change before it touches your real money.
“Can I afford it?”
Check a purchase against your actual budget before you commit, not after the statement arrives.
Private by design
Lock the app with a passcode or your fingerprint, hide every figure with one tap, and know your data is never sold.
Works in your currency
Kwacha, Naira, Cedi, Shilling, Rand, Rupee, Pound, Euro, Dollar and more. Pick yours during setup and every figure in the app follows it — no conversions, no assumptions.
Your money stays yours
A budgeting app sees more about your life than almost anything else on your phone. We treat that seriously.
We never sell your data
Not to advertisers, not to data brokers, not to anyone.
No ads, no tracking
There is no advertising network and no analytics SDK in the app. Nothing follows you between apps.
Only you get in
Optional passcode and fingerprint or face unlock, plus a one-tap switch that hides every figure on screen.
The full detail is in our privacy policy.
A note on what this is. MyPennyPal is a budgeting and planning tool. It does not connect to your bank, does not move money, and does not provide financial, investment or tax advice.