PennyBook: Expense Tracker

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.

LOG IT FAST Tap +, 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.

WALLETS WITH REAL BALANCES Cash, 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.

SPENDING, INCOME AND TRANSFERS Spending carries a minus and income a plus in every list. A transfer moves money between your wallets and never counts as spending.

FIND ANYTHING, ASK ANYTHING Search 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.

SEE WHERE THE MONTH WENT Insights 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.

NET WORTH Add 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.

MONEY BETWEEN PEOPLE Lent 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.

BRING YOUR HISTORY Choose 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.

EVERYWHERE YOU ARE Widgets 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.

PRIVATE BY DESIGN PennyBook 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.

PAY ONCE Your 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.

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