Last updated: March 20, 2026
By downloading, installing, or using Penny, you agree to these terms of service. If you do not agree with these terms, do not use the application.
Penny is a household budget application that allows couples to track expenses, define income, set savings goals, and analyze their finances in a shared workspace. The application is free for personal use.
To use Penny, you need to create an account through Google Sign-In. You are responsible for maintaining the security of your account and for all activity that occurs under it.
You agree to use Penny solely for managing your personal and household finances. You must not use the application for illegal, fraudulent activities, or activities that violate third-party rights.
You own all data you enter into Penny. We do not claim ownership of your financial information. See our Privacy Policy for how we handle your data.
Penny is a financial tracking tool and does not provide professional financial advice. We are not responsible for financial decisions made based on information displayed in the application. The service is provided "as is" without warranties of any kind.
We reserve the right to modify these terms at any time. We will notify you of significant changes through the application.
For questions about these terms, contact us at legal@penny.app.