{
 "name": "PennyBook: Expense Tracker",
 "tagline": "PennyBook is an expense tracker and a net worth tracker in one private app for iPhone…",
 "description": "PennyBook is an expense tracker and a net worth tracker in one private app for iPhone and iPad: one for what you spend every day, one for everything you own and owe. No account, no bank login, no ads.\n\nLOG IT FAST\nTap +, type the amount, pick a category, save. Add a few words and the category picks itself, learning from what you filed before. Or say it: dictation runs on your device.\n\nWALLETS WITH REAL BALANCES\nCash, bank accounts, credit cards, e-wallets. Every entry moves a wallet's balance, a card shows what you owe, and if the bank disagrees you adjust it with one visible entry.\n\nSPENDING, INCOME AND TRANSFERS\nSpending carries a minus and income a plus in every list. A transfer moves money between your wallets and never counts as spending.\n\nFIND ANYTHING, ASK ANYTHING\nSearch every entry with a few words or an amount, and narrow it by kind, wallet, category, dates or amount. Ask PennyBook answers questions about your money with Apple Intelligence, on your device.\n\nSEE WHERE THE MONTH WENT\nInsights shows what you spent, earned and kept, your categories and your habits, for a week, a month, a quarter, a year or your own dates.\n\nNET WORTH\nAdd what you own (bank and cash, deposits, PF, PPF and NPS, mutual funds and stocks, gold, your home and vehicle) and what you owe (home and car loans, card bills). See your net worth today and how it has changed over the months. Gold follows the rate you set, PF, PPF and deposits grow by their rate, and loans go down after each EMI on their own. Invest, redeem, buy or sell on any day with a note, and every move stays in History with what it left. Loans show every EMI with its interest, with prepayments and a debt-free date. Leave anything out of the total with one switch.\n\nMONEY BETWEEN PEOPLE\nLent a friend money or borrowed from family? Record it with a due date, mark repayments as they come, and settle up when you owe each other.\n\nBRING YOUR HISTORY\nChoose the export from your old tracker, or paste a table. The file is read on your device, wallets come across, categories are matched, and you see what will happen before anything is written. One tap undoes an import.\n\nEVERYWHERE YOU ARE\nWidgets on the Home Screen and Lock Screen, Siri, iPad in either orientation, and optional iCloud sync to your other iPhones and iPads through your own private iCloud.\n\nPRIVATE BY DESIGN\nPennyBook has no networking code of its own; the only thing that ever leaves your device is iCloud sync, off until you turn it on, into your own iCloud where we cannot see it. Lock PennyBook with Face ID, hide net worth amounts with a tap, and export everything as a spreadsheet whenever you like.\n\nPAY ONCE\nYour first 100 entries and 10 net worth items are free; money between people is never counted. PennyBook Pro unlocks both trackers without limits with a single purchase, no subscription. Search, import, export and erase are free, always.",
 "url": "https://debuts.app/apps/pennybook-expense-tracker",
 "category": "Finance",
 "platforms": [
  "iPhone and iPad"
 ],
 "pricing": "free",
 "use_cases": [],
 "audience": [],
 "links": {
  "app_store": "https://apps.apple.com/us/app/pennybook-expense-tracker/id6814906816",
  "google_play": null,
  "website": "https://papermint.studio/pennybook"
 },
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 "verified": false,
 "maker": "Shiva Prasad Manupadi",
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