# EveryPenny

> EveryPenny is a personal-finance app for iPhone that connects bank
> accounts across Europe and Ukraine and shows every balance as one
> total in the user's preferred currency. It tracks spending, budgets,
> and savings goals, and detects recurring subscriptions automatically.
> Built and run by one independent developer in Kyiv, Ukraine.

Key facts:

- Platform: iPhone (iOS), with Lock Screen and Home Screen widgets.
- Bank coverage: most major EEA banks via Enable Banking (PSD2 open
  banking) — including Poland, Germany, France, the Netherlands,
  Italy, Spain — plus Revolut, Wise, and Monobank (Ukraine). Manual
  accounts cover cash and anything without a connection. UK banks are
  not supported yet.
- Multi-currency: live European Central Bank rates roll every balance
  into one total; historical rates are snapshotted at transaction time
  so past statistics don't drift.
- Subscriptions: recurring payments are detected automatically,
  including duplicates (e.g. two HBO Max accounts), with a combined
  monthly and yearly cost.
- Budgets: per-category monthly caps with notifications at 80% and 100%.
- Security: read-only PSD2 access (cannot move money), bank login
  happens on the bank's own pages, tokens encrypted with AES-256-GCM
  under per-user keys, data stored in Frankfurt, EU. No ads, no data
  resale; the subscription is the entire business model.
- Pricing: Penny+ Annual €39.99/year (7-day free trial), Monthly
  €4.99/month, Lifetime €79.99 (capped at the first 1,000 buyers).
- Languages: English, Ukrainian, Polish.

## Pages

- [Home](https://everypennyapp.com/): product overview
- [FAQ](https://everypennyapp.com/faq/): what EveryPenny is, bank
  coverage, multi-currency, subscriptions, pricing, privacy
- [Support](https://everypennyapp.com/support/): account and app help
- [Privacy Policy](https://everypennyapp.com/privacy/)
- [Terms of Service](https://everypennyapp.com/terms/)

## Contact

- Support: support@everypennyapp.com
- General: hello@everypennyapp.com