Log the expense
Add a purchase in seconds. Amount, category, done. No receipts, no forms.
Tag the feeling
Worth It, Necessary, Neutral, or Regret. One tap. Takes less time than the purchase did.
Discover patterns
Weekly summaries surface what's really happening. Spot regret cycles. Double down on worth-it spending.
Every purchase gets a tag.
The patterns do the rest.
Intentional spending you'd choose again. Dinner with people you love. Tools that save you hours.
Non-negotiable. Rent, utilities, groceries. Not good or bad — just part of life.
Neither here nor there. Purchases you barely noticed making.
Impulse buys. Subscriptions you forgot. The coffee you didn't even enjoy.
Everything you need.
Nothing you don’t.
We said no to a lot of features. What’s left are the ones that actually change how you think about spending.
Set monthly limits per category. PennyWatch nudges you — it never nags. You stay in control.
Every week, a personal summary of your emotional spending patterns. No judgment — just signal.
Track progress toward what actually matters to you. Tie it to a feeling, not just a number.
Split expenses with a partner or household. Shared visibility, individual feelings.
40+ currencies. Works wherever you are, however you spend.
Your financial data never leaves your device unless you explicitly choose to sync. We literally can't see it.