PennyCount:
Australia's Personal
Finance Hub
PennyCount is a free personal finance app for Australians. Track your net worth, manage your budget, monitor bills and subscriptions, see who owes you money, and optimise your credit card rewards. All in one place, all in AUD.
Start Tracking Free
Why Australian Investors Choose PennyCount
Net Worth Tracker
ASX, Super & Property
Track every asset class: ASX stocks and ETFs, international equities, investment properties, superannuation, SMSF accounts, cash, fixed interest, crypto, and alternative assets. Log all liabilities including HECS-HELP debt, mortgages, personal loans, and credit card balances. See your complete net worth calculated in AUD with historical charts, growth rates, and asset allocation breakdowns. Add periodic snapshots over time to build a wealth history you can reference month by month and year by year. Perfect for EOFY tax planning, tracking your progress toward financial independence, and understanding exactly how your wealth is growing across asset classes.
Budget Tracker
Spending & Income
Record every transaction across 14 expense categories — housing, groceries, utilities, transport, health, dining, entertainment, shopping, and more — plus 6 income types including salary, dividends, rental income, and business revenue. Set monthly budget limits per category and track your actual spending against them in real time. Use the AI-powered bank statement import to analyse PDFs, CSVs, or Excel files from any Australian bank and automatically extract and categorise your transactions. Export your full transaction history to CSV for tax preparation or your own records.
Bills & Subscriptions
Never Miss a Payment
Never miss a payment with the PennyCount Commitments tracker. Log all your recurring subscriptions — Netflix, Spotify, Amazon Prime, gym memberships, insurance premiums, and more — with their renewal dates, billing cycles, and costs. Add upcoming one-off bills such as council rates, car registration, and annual fees with their due dates. Get automatic dashboard reminders when payments are due within seven days. See your total monthly subscription spend and identify services you no longer use.
IOU Tracker
Who Owes You Money
Track personal IOUs with PennyCount's built-in debt ledger. Add every loan you have made to friends, family members, or work colleagues — including the person's name, the amount lent, the reason for the loan, and the agreed repayment date. See the total outstanding amount owed to you at a glance on your dashboard. Get automatic reminders when repayment dates are approaching. Whether it is splitting a holiday cost, covering a mate's dinner, or lending money for an emergency, PennyCount keeps clear records.
Credit Card Churning
Maximise Rewards
Track credit card bonus point offers, minimum spend requirements, deadlines, annual fees, and credit limits with PennyCount's dedicated churning tracker. Log both active cards and closed cards. See at a glance which minimum spends are still outstanding and which bonus deadlines are approaching. Built specifically for Australian points enthusiasts managing multiple card applications. Whether you are targeting Qantas Points, Velocity Frequent Flyer, or hotel loyalty programs, PennyCount helps you maximise every sign-up bonus.
Completely Free
No Paywalls, Ever
Every feature in PennyCount — net worth tracking, budget management, bills and subscription tracking, IOU recording, credit card churning, and AI bank statement import — is included at no cost, forever. There are no paid plans, no premium tiers, no paywalls, and no advertisements. Your financial data is never sold to third parties or used for marketing purposes.
Start Tracking in 3 Steps
Create Account
Sign up with email or Google, or try guest mode instantly. No credit card required.
Set Up Your Finances
Add your investments, property, super and debts in Wealth. Set up your budget and import bank statements. Log your bills, subscriptions, IOUs, and credit card applications.
Track & Grow
Monitor your net worth over time, analyse spending patterns, and make informed financial decisions.
FAQ
Everything you need to know about PennyCount.
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.