Know where the money went.

• 📒

  Daily entries

  Income, expenses and transfers between your own accounts, each with a category, a note and a date.

• 🏦

  Several accounts

  Cash, bank, savings — as many as you keep. One is your primary, and the app opens on it.

• 🎯

  Monthly budgets

  A limit per category. Set it once and it carries forward; what was spent resets each month.

• 📊

  Reports you can read

  Spending by category, income against expense, and budget against what actually went out.

• 🤝

  A lending ledger

  Who owes you and who you owe, person by person, with the running balance kept for you.

• 🔔

  Bill reminders

  Recurring bills, daily to yearly, with a nudge on the day — and a tap to record the payment.

• 📄

  PDF statements

  Export a month or a year as a proper statement, laid out the way a bank would print it.

• ↩️

  Carry forward

  Last month's closing balance opens the next one, so a month never starts from nothing.

Nothing is compiled in to collect with

Pennywise has no analytics library, no advertising SDK and no crash-reporting service compiled into it. Not configured off — absent. We have no way of knowing how many people use the app, which screens they open, or a single figure any of them recorded.

That is possible because there is no account and no server. Your entries are written to a database inside the app's private storage on your phone, and they stay there unless you choose to move them.

Backup goes to your Drive

If you switch on Google Drive backup, the file goes to a hidden folder inside your Google account. The app asks for one permission, drive.appdata, which cannot read anything else in your Drive. We never hold a copy.

Read the full privacy policy →