PennyWise is a easy-to-use, yet robust tool to allow you to better manage your personal finances. With PennyWise, you can quickly see where your money is being spent for the current month or drill down to each user defined category for a detailed view. PennyWise comes complete with a pre-defined set of spending categories, as well as sub-categories within each one. You can add as many sub-categories as you'd like or use the pre-defined categories as you see fit. In order to keep up with the modern world, PennyWise allows you to define your recurring payments (such as your mortgage or power bill) and automatically enters them so you don't have to worry about them. PennyWise also tracks credit card purchases, keeping a current balance so that you have a better picture of what your payment will be at the end of the billing cycle.