Penii began as my way to see where my money would land before I spent it. I turned that calendar habit into a forecast-first iPhone app and launched it without asking for bank access.
Budgeting apps explained the past. I needed to see what would remain after upcoming paydays, bills, and weekly spending.
The question was simple: “What happens next?”
Penii turns a balance, income, bills, and a weekly budget into one full-month forecast.
It reserves the weekly budget before it is spent, so purchases within the allowance are not deducted twice. Unused budget returns to the forecast; overspending lowers it.
I mapped bills, paydays, weekly spending, and running balances on a paper calendar. It showed what would be left before the month happened, but every change meant recalculating the days ahead.
The calendar proved the concept. I translated its rules into a responsive web interface that carried balances forward and updated the month automatically.
The next version added navigation, dashboard patterns, card controls, and daily detail. What started as an automated calendar was now one connected forecasting product.
For iPhone, I focused on three moments: check what is safe today, see the month ahead, and update the plan while spending.
I rebuilt the forecast for iPhone and owned the work from interface to App Store. It did not need web parity. It needed to be faster, clearer, and trustworthy in daily use.
Penii kept the forecasting model that worked. Guided setup, clearer screens, and quick entry made it useful whenever money decisions happen.
The dashboard puts today’s balance, weekly budget, upcoming activity, and goals in one view. The month ahead stays clear at a glance.
Choose a background, rearrange cards, and add widgets from the library so the dashboard fits the way you think about money.
See a whole month before it happens. Know where your money's going, and where you can save.
No categories, no imports. A payday, a few bills, done.
No credentials or transaction imports.
Log an expense with Back Tap or the Action Button. The app never opens.
One detailed view combines your weekly budget, expected income, bills, and day-to-day spending into a running forecast.
Tap any date to see its starting and ending balance and every transaction that shapes it.
The manual recalculating disappeared. Penii now carries the month forward on an iPhone, wherever the next money decision happens.
I shipped setup, forecasting, personalization, daily planning, and quick expense entry as one App Store product. No bank access required.
People using Penii
Bank connections required
Guided setup to the first forecast
