PennyPact

PennyPact is a private cash-flow planner for people who want to know what they can really spend before payday. It starts with your real card or account balance, adds income still expected, subtracts bills and planned payments still to pay, then shows your projected available money in one clear number. Plan regular bills, subscriptions, debts, instalments, BNPL payments, groceries, reserve pots and expected income. Mark payments as paid, log real grocery spending against a monthly estimate, or update your real balance and let PennyPact help reconcile what changed. PennyPact is manual-first and private by design. No PennyPact account. No bank login. No card credentials. Your budget data stays on this device and, if enabled, syncs through your own iCloud. Optional public-holiday lookup may fetch country holiday dates without sending your budget amounts. Some features require PennyPact Pro. Pro unlocks unlimited planning, iCloud backup and sync, household sharing, widgets, receipt scan, export/restore, and advanced reminders. Key features: - Projected available money for the month - Forecast timeline with lowest projected balance - Bills, income, subscriptions, debts and BNPL planning - Optional auto-deduct for selected due payments - Monthly pots for flexible spending such as groceries - Reserve pots to ring-fence money without changing your real balance - Activity history with undo for paid and received movements - Card and account balance updates from the main screen - Built-in and custom categories - Reusable monthly templates - Local reminders for bills, income and low-balance warnings - Optional iCloud backup and household sharing - PennyPact Pro for unlimited planning, iCloud sync, household sharing, widgets, receipt scan, export/restore and advanced reminders - No bank login required PennyPact is not a bank, payment provider or financial adviser. It is a private planning tool that helps you keep your own monthly money picture clear. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pennypact.korbies.uk/privacy