pennyway
Pennyway is a private, self-hosted personal finance manager. Automatically sync your bank accounts, track spending with smart rules, manage invoices from Gmail, and get AI-powered insights — fully encrypted on your own machine.
Free to use · No credit card required for registration
Your data never leaves your device
A desktop app that gives you a clear, real-time picture of your finances without ever touching a cloud server.
Connect your bank accounts and credit cards. Pennyway scrapes your transactions automatically each morning so your data is always up to date.
Get smart spending analysis powered by AI. Use a Pennyway managed AI key, or bring your own Google Gemini key. Understand where your money goes and spot trends across months with a single click.
Create flexible rules to automatically categorize, rename, and tag transactions as they arrive — so your reports always make sense.
Set savings goals and track your progress over time. Visualize how your spending habits affect your long-term financial targets.
See upcoming scheduled payments and predict your end-of-month balance before it happens. No more surprise overdrafts.
A beautiful overview of your net worth, spending by category, income vs. expenses, and monthly trends — all in one place.
Beyond tracking — Pennyway handles the things other apps ignore.
Pennyway scans your Gmail inbox and automatically extracts every invoice and receipt — no manual forwarding needed. AI classifies each one as Business or Personal, adds AI insights, and you can manually add any invoices that didn't come by email. When it's time to close the books, filter by date, sender, type, or amount and export a clean bundle to hand straight to your accountant.
Spot something odd in your transactions? Create a task right from the transaction or invoice row — it stays linked to that item so you can follow up later. Set a due date, track progress through three stages (Created → In Progress → Completed), and add timestamped notes as you investigate. The sidebar shows live counts of open and overdue tasks, and the dashboard warns you when deadlines are approaching.
Pennyway scans your transactions and Gmail inbox and uses AI to automatically detect recurring subscriptions — from streaming services and SaaS tools to gym memberships and annual renewals. Each detected subscription shows its billing frequency, latest price, and detection source. Price changes are flagged instantly so you always know when a service quietly raises its rate. The dashboard gives you a live monthly cost estimate broken down by currency.
Ever stared at "AliExpress Purchase — ₪47.30" and had no idea what you actually bought? Pennyway can connect to your Gmail and automatically match transactions to the real order confirmations and receipts in your inbox — so every line item tells the full story, not just a merchant name.
Get daily and weekly spending summaries, large transaction alerts, and AI-generated financial insights — all delivered straight to your WhatsApp. Pennyway uses the WhatsApp Business API to send you opt-in notifications, so you always know where your money is going without even opening the app.
Real screens from the app — no mockups.
Pennyway sends exactly one type of email: a one-time verification code (OTP) when you register your account. This confirms you own the address before we link it to your installation. We send no newsletters, no promotions, and no notifications of any kind. You can read our full Privacy Policy for complete details.
Free to download and use. Register with your email to get started — no credit card required.
Found a bug or have a suggestion? Send a feedback through the app,
or
open an issue on GitHub
Because Pennyway is a personal project without a paid code-signing certificate, your OS (Windows SmartScreen or macOS Gatekeeper) may flag the installer as "unrecognized." The app is completely safe. For Windows, just follow these two steps (follow a similar procedure on Mac):
Why does this happen? Code-signing certificates cost hundreds of dollars per year. As a free personal project, Pennyway skips that expense — the warning is expected and the app is safe to run.