Freedom251 › Personal Finance Software
Penge
What Penge is
Penge is a free iOS personal finance app that brings bank accounts, balances, transactions, budgets, subscriptions, bills, and net worth into one overview. It connects through Open Banking and says it supports more than 2,300 banks across over 30 countries. The app suggests transaction categories and applies them automatically when confidence is sufficient. Users can create category budgets, see remaining amounts, and follow spending pace through the month. Penge detects recurring charges and shows monthly cost, next charge date, and price history. Unsupported banks can be handled with manual accounts and PDF, CSV, or Excel statement uploads. Bank access is read-only; Penge says credentials are not stored and financial data is encrypted in transit and at rest. Reports can be exported, and account synchronization is available. AI categorization is off by default and sends transaction data to a model only when enabled. Data or accounts can be deleted from the app. The Free plan costs nothing and has no ads.
Who it suits
Penge suits iOS users who want budgeting, account aggregation, bill and subscription tracking, and net-worth views. It also fits people needing manual imports or control over optional AI categorization.
What it does well
- Supports over 2,300 banks
- Category budgets track spending pace
- Detects recurring subscription charges
- Manual statement uploads supported
- Free plan has no ads
What to know first
- Only iOS is listed
- No free trial is offered
- AI categorization requires manual enablement
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | No ads · bank connections · budgets · transaction history | Free |
As penge.app lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Penge offers a broad personal-finance overview with bank connections, budgets, recurring-charge detection, and manual imports. Its free iOS plan may appeal to users who value encryption and data controls.
Facts from Penge's own pages
- Account sync
- both · penge.app, 22 Sept 2026
- AI controls
- AI categorization suggestions are off by default, and Penge says transaction data is only sent to a model if the user enables the feature. · penge.app, 11 Oct 2026
- Bank connection provider
- Penge retrieves bank data through GoCardless, which it identifies as a licensed account information service provider. · penge.app, 11 Oct 2026
- Bank coverage
- Penge says it supports more than 2,300 banks in over 30 countries through Open Banking. · penge.app, 11 Oct 2026
- Bill tracking
- Yes · penge.app, 22 Sept 2026
- Budgeting tools
- Yes · penge.app, 22 Sept 2026
- Budgets
- Users can set budgets by category and track what remains and their spending pace through the month. · penge.app, 11 Oct 2026
- Categorization
- The app suggests transaction categories and applies them automatically when it is sure. · penge.app, 11 Oct 2026
- Data controls
- Users can download their data or delete their data or account from the app. · penge.app, 11 Oct 2026
- Data location
- Penge says bank data is stored in encrypted data centres in London, while certain services process limited non-transaction data in the United States. · penge.app, 11 Oct 2026
- Free plan
- Yes · penge.app, 22 Sept 2026
- Manual accounts
- Users can create manual accounts and upload PDF, CSV or Excel statements, including when their bank is unsupported. · penge.app, 11 Oct 2026
- Mobile apps
- ios · penge.app, 22 Sept 2026
- Net-worth tracking
- Yes · penge.app, 22 Sept 2026
- Platforms
- Penge is available for iPhone through the App Store; the Android version is planned for the end of 2026. · penge.app, 11 Oct 2026
- Product
- Penge is a personal finance app that gathers bank accounts, balances, transactions, budgets and subscriptions in one overview. · penge.app, 11 Oct 2026
- Report export
- Yes · penge.app, 22 Sept 2026
- Security
- Bank access is read-only, Penge says it never stores bank credentials, and financial data is encrypted in transit and at rest. · penge.app, 11 Oct 2026
- Subscriptions
- Penge detects recurring charges and shows their monthly cost, next charge date and price history. · penge.app, 11 Oct 2026
- Support
- Penge directs users to email [email protected] and says replies usually arrive within a day or two. · penge.app, 11 Oct 2026
Where Penge stands on Freedom251
- Personal Finance Software#92 of 181