EveryPennyEveryPenny is a personal-finance app for iPhone that connects your banks across Europe and Ukraine and shows everything as one total. Here's everything people ask about it.
EveryPenny is a personal-finance app for iPhone that connects your bank accounts across Europe and Ukraine and shows every balance as one total in the currency you think in. It tracks spending, budgets, and savings goals, and detects recurring subscriptions automatically. It is built and run by one independent developer in Kyiv.
EveryPenny is designed for iPhone, with Lock Screen and Home Screen widgets. There is no Android or web version today — building one excellent iOS app first is a deliberate choice of a one-person team.
EveryPenny is made by Ihor Olkhovatyi, a solo developer in Kyiv, Ukraine. There is no growth team and no ad network behind it — the subscription is the entire business model. He reads every email sent to [email protected].
EveryPenny connects to most major banks across the EEA through Enable Banking's PSD2 open-banking network — including banks in Poland, Germany, France, the Netherlands, Italy, and Spain — plus Revolut and Wise, and Monobank in Ukraine. Anything else can be tracked as a manual account.
Yes. EveryPenny has a direct Monobank integration for personal accounts in Ukraine. Balances and transactions sync automatically, and hryvnia amounts roll up into your total alongside your other currencies.
Yes. Revolut and Wise connect through EEA open banking (PSD2). EveryPenny reads balances and transactions from all your currency pockets — read-only, it can never move money.
Not yet. UK Open Banking requires a separate licence from the EEA one EveryPenny holds. Revolut works for many UK-based users in the meantime, and UK support is on the roadmap.
Yes. Manual accounts cover cash, envelopes, and any bank without a connection. You update them by hand and Penny treats them like any other account — included in your total, budgets, and statistics.
EveryPenny converts everything into your preferred currency using live European Central Bank rates — a transaction in złoty, a balance in hryvnia, and a card in euros become one number. Historical exchange rates are snapshotted at transaction time, so last month's statistics don't drift when today's rates move.
EveryPenny detects recurring payments automatically by analysing your transaction history — Spotify, Netflix, iCloud, the gym, including duplicates like a second HBO Max account. It shows what they cost together per month and per year. You can mute the ones you don't want reminders about.
No. EveryPenny's bank access is read-only under PSD2 — it can see balances and transactions but has no technical ability to initiate payments, transfers, or any changes to your accounts. The permission simply doesn't exist in the connection.
Yes. EveryPenny ships Lock Screen and Home Screen widgets for your total balance, top budgets, and savings goals — your numbers are visible before you even unlock the phone.
You set a monthly cap per spending category and Penny watches it. At 80% of a budget you get a quiet heads-up, and another if you cross the line — the surprise never lands at the till.
Yes. EveryPenny works as a remote MCP server, so Claude, ChatGPT, Gemini and other MCP-capable assistants can connect to it with one address. Once connected, you can ask about your spending, budgets, subscriptions and plans in plain words — and, if you allow it, have the assistant categorize, label or add transactions. Setup guides for each assistant are at everypennyapp.com/mcp.
You stay in control. Every assistant has to be approved in the EveryPenny app on your iPhone, where you choose read-only or read & write, and you can disconnect it any time in Settings → AI assistants. Even with write access an assistant can never move money — bank connections stay read-only. Sign-in uses OAuth 2.1, and EveryPenny stores only fingerprints of the tokens.
Anything your EveryPenny data can answer: how much went on food this month and whether that's more than usual, which subscriptions you pay for and what they cost a year, whether a trip fits your savings rate, or what changed in your spending since last quarter. Answers cover every connected account and currency, converted at the rates EveryPenny already uses.
Not from EveryPenny. Connecting AI assistants is part of Penny+, including the 7-day free trial. You use the assistant you already have — Claude, ChatGPT or Gemini — and its own plan decides whether it can add custom connectors.
EveryPenny's Penny+ subscription costs €59.99 per year (about €5 a month) or €5.99 per month, both starting with a 7-day free trial, or €89.99 once for a Lifetime licence capped at the first 1,000 buyers. It covers European bank connections and AI assistants. The App Store and the web checkout charge your country's local price.
Yes — Annual and Monthly both start with 7 days free. Cancel in iOS Settings before day 7 and you pay nothing.
Yes. You sign in on your bank's own pages through PSD2-regulated OAuth — EveryPenny never sees your bank password. The resulting read-only token is encrypted with AES-256-GCM under a per-user key, and data is stored in Frankfurt, EU.
No. EveryPenny shows no ads and never sells data — there are no advertisers to sell it to. The subscription pays for the servers and bank connections, and you can delete your account and all its data from inside the app at any time.
Your bank's app shows one bank. EveryPenny shows all of them — every bank, card, and currency rolled into one total, with budgets, statistics, and subscription detection that work across accounts. It complements your banking apps rather than replacing them.
If you live in Europe or Ukraine, yes — EveryPenny is built EEA-first: PSD2 bank connections, true multi-currency totals with ECB rates, Monobank support, and native English, Ukrainian, and Polish. US-centric tools typically lack European bank sync and treat a second currency as an afterthought.
EveryPenny was literally built by someone who got tired of spreadsheets. The difference is automation: transactions arrive on their own, exchange rates apply themselves, subscriptions surface themselves. A spreadsheet only knows what you remember to type into it.
App problems and account questions live on the Support page. For anything else, write to [email protected].