Penny Money Manager is a clean, privacy‑first personal finance app that helps you understand where your money goes - without spreadsheets or stress. Track transactions across your accounts, categorize everyday spending, and set practical monthly budgets per category. With Ask Money, a built‑in on‑device AI powered by Apple Intelligence, you can ask natural questions like “How much did I spend on groceries last month?” or “Which merchants do I use the most?” and get clear, conversational answers based on your real data. Weekend vs. weekday insights, top merchants, and friendly narratives turn raw numbers into actionable patterns, helping you make smarter decisions and feel in control of your finances in just a few minutes a day. Privacy Policy: https://digitalhole.github.io/penny.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/