Is PennyCount free?
Yes, PennyCount is completely free. Every feature is included at no cost with no time limits: net worth tracking, ASX portfolio management, budget tracking, bills and subscription management, IOU tracking, credit card churning, and AI bank statement import. There are no paid plans, no premium tiers, and no paywalls. Advertisements are never shown and your financial data is never sold to third parties.
What does PennyCount include?
PennyCount is a complete personal finance hub for Australians with five core feature pillars. The Wealth section covers net worth tracking across all asset classes: ASX stocks, ETFs, property, superannuation, SMSF, cash, crypto, and liabilities. The Budget section lets you categorise transactions, set spending limits, and import bank statements using AI. The Commitments Manager covers recurring bills and subscriptions with due-date reminders. The IOU Tracker records informal loans to and from friends and family. The Credit Card Churning tracker manages bonus point offers, minimum spend deadlines, and annual fees. All features are completely free.
How do I track my superannuation?
Add your superannuation as an asset in the Wealth section of PennyCount. You can track multiple super accounts side by side, including SMSF holdings, and monitor your retirement savings balance alongside your other investments. Your superannuation balance is included in your overall net worth calculation. This is particularly useful for EOFY tax planning and tracking your super balance growth year over year.
Can I track ASX stocks?
Yes. PennyCount supports tracking ASX stocks, ETFs, and international equities. Enter your holdings with ticker symbols, number of units, and purchase prices to monitor your portfolio performance in AUD. ASX stocks are a sub-category within the Wealth section, alongside property, superannuation, cash, fixed interest, crypto, and alternative investments.
Can I track my subscriptions and bills?
Yes. PennyCount includes a Commitments Manager specifically designed for tracking recurring subscriptions and upcoming bills. Log each subscription with its name, cost, billing cycle, and renewal date. Add upcoming one-off bills with their due dates. The dashboard shows your total monthly subscription spend and highlights any payments due within the next seven days.
How do I track who owes me money?
PennyCount includes a built-in IOU tracker under the Commitments section. Add the person's name, the amount lent, the reason for the loan, and the agreed repayment date. Your dashboard shows the total outstanding amount owed to you across all active IOUs and displays reminders when repayment dates are approaching. You can mark IOUs as repaid once the money is returned.
Does it work on mobile?
Yes, PennyCount is a Progressive Web App (PWA) fully optimised for mobile devices including iPhone and Android phones. Install it directly from your browser to your home screen for a native app-like experience with offline access. No download from the App Store or Google Play required.
Is my data secure?
Your data security is our priority. All financial data is encrypted and stored securely using Firebase, Google's enterprise-grade database platform. PennyCount never sells your data, never shows advertisements, and never shares your information with third parties. You can delete your account and all associated data at any time.
Can I import bank statements?
Yes. Use the AI-powered transaction import feature to analyse bank statements from any Australian bank in PDF, CSV, or Excel format. The AI automatically extracts individual transactions, parses dates and amounts, and categorises each transaction into the appropriate budget category. The feature supports statements from all major Australian banks including Commonwealth Bank, ANZ, Westpac, and NAB.
