Clarkwood Software has released the first incarnation of Flowing Pennies, a personal finance application. The software attempts to simplify use as much as possible; it concentrates solely on the amount of money flowing in and out of a person or family's budget, displaying all information in a single view. Adding and editing entries is handled through a simple footer bar, which also lets users specify how something was paid for.

While the default Simple view displays only basic individual and accumulated amounts with each entry, the more elaborate Ledger view introduces tracking of withdrawals and deposits to checking, savings and credit card accounts. Flowing Pennies requires Mac OS X 10.4 or later, and costs $25; a 30-day trial is free.