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PennyBook app icon

PennyBook

  • iPhone
  • iPad
  • Mac

Expense Tracker & Net Worth Tracker, for your eyes only.

Log what you spend in seconds and see where it went. Then switch to net worth: everything you own and owe, and what you're worth today. Both stay on your iPhone or iPad.

  • About three seconds an entry
  • Net worth that mostly updates itself
  • No account, no bank login
  • Your own iCloud, or nowhere
Lifetime · pay once$19.99foreverFirst 100 entries and 10 net worth items free. No subscription.
DownloadFree on the App Store
How it works →
The add form: Expense, Income and Transfer, −$18.40, the note Lunch with Emma, Wallet and Date, and the category chips with Food picked.
PennyBook's net worth tracker: $350,836 counted today, up $85.9K since November 2025, the year as a green line, You own $665.9K and You owe $315.1K.

Try it here

PennyBook, right on this page

The real app with a year of sample entries. Add one, switch wallets, read your month and search it all.

Tap +, type the amount, pick a category, save. The balance and the month update at once.

Checking, cards and cash in one book. Switch wallets to see just one, or step back through the months.

What you spent, earned and kept, the biggest day and how weekends compare. Tap a bar to read that day.

Every entry you have ever added, searched on your iPhone as you type, with the total for what you found.

What you own and what you owe in a second book, with loans and their monthly payments. Hide the amounts with one tap.

Every wallet, one balance

Checking, cards and cash in one book. Switch wallets to see just one, or step back through the months.

Pro
Balance · 3 wallets, today
$28,920.32
November
Income+$2,975.00
Spent−$2,107.60
TODAY−$139.19
YESTERDAY−$27.25
MONDAY, NOV 2−$4.75
SUNDAY, NOV 1+$2,975.00−$1,936.41
Pro
Insights
October 2026
SPENT$3,341.49↓ 6% less than September
INCOME$5,950.002 payments
SAVED$2,608.5144% of income
56% spent44% kept
Spending each dayAverage $108

Your biggest day was October 1 (Home).

$0$150$300$1.9K↑511172329
HomeGroceriesFoodBillsOther
Pro
Import

Bring your history from another app. PennyBook reads the file on your iPhone; nothing is uploaded.

Pro
Settings
WALLETS
PRIVACY
Face ID
iCloud sync
CurrencyUS Dollar
Pro
Net worth
Wednesday, November 4
Counted today
$350,836.00
$26.8Ksince December 2025
Dec 2025Today
Car loan EMI · $474 · in 2 days

Sample data, made up for this demo. In the app, your book stays on your iPhone and in your own iCloud.

Spending

Log it before the bill arrives

A plain form, a note that picks the category, and wallets with real balances.

  • Add in seconds

    Tap +, type the amount and a few words, and save. About three seconds.

  • The note picks the category

    Write “Lunch with Emma” and Food is picked for you.

  • Wallets with real balances

    Cash, banks, cards and e-wallets. If the bank disagrees, Adjust fixes it in one visible entry.

  • Search every entry

    A number matches the amount, so “lunch 19.60” finds that one lunch.

  • Siri and Shortcuts

    Say “Log an expense in PennyBook” and tell it “auto 140”. It saves without opening the app.

The Transactions tab: a balance of $18,033.04 across three wallets, the month's income and spending, and today's entries.
The add form: Expense, Income and Transfer, −$18.40, the note Lunch with Emma, Wallet and Date, and the category chips with Food picked.

Net worth

See what you’re worth, without the homework

Deposits grow by their rate, gold follows yours, and loans drop after each EMI. A check-in on the 1st asks for the rest.

  • Net worth over time

    Everything you own and owe, over three months, a year or all time.

  • Holdings that update themselves

    Deposits and retirement accounts grow by their rate, and gold follows the rate you set.

  • Invest and redeem

    Each move goes into History on its day, with what it left the holding worth.

  • Hide the amounts

    One tap hides every figure when someone is looking over your shoulder.

The Holdings tab: You own $665,896, a bar split by kind, then property, savings schemes, investments, bank and cash, gold and vehicles.
PennyBook's net worth tracker: $350,836 counted today, up $85.9K since November 2025, the year as a green line, You own $665.9K and You owe $315.1K.

Loans and friends

Every EMI, and every dollar lent

Loans that pay themselves down, and money between friends with due dates.

  • Loans that pay themselves down

    Add a mortgage or car loan once. Every EMI shows what came off the loan and what was interest.

  • Prepay, and see the new end date

    See how much sooner it ends, or correct it to your bank’s figure.

  • Money between friends

    Who owes you, who you owe, and who is due soon or late.

  • Settle both ways

    Record part payments as they come back, and settle two-way debts in a tap.

The People tab: $1,810 owed to you and $600 you owe, then Sam, Emma, Noah, Jake and Olivia with what's left and when it's due.
A mortgage's page: what's left to pay with a paid-off bar, the next EMI and the end date, and History with each EMI and its interest.

Ask and Insights

Ask about your money in plain words

Every figure is worked out from your own entries. Apple Intelligence only writes the words, on your device.

  • Ask in plain words

    “How much did I spend on food last month?” Then “and transport?”.

  • Insights for any span

    A week, a month, a year or any dates, for all wallets or one.

  • Categories and habits

    What each category cost and how it moved, your weekdays, and where you pay most.

Insights for September 2026: $4,421.62 spent, $5,950 income and $1,528.38 saved, and spending each day stacked by category.
Ask PennyBook answering “Where did my money go last month?”: $4,421.62 in September, the last six months as bars, and a split by category.

And also

The rest is there when you need it

Smaller things that make a daily habit easy.

  • Expense, income, transfer

    A transfer moves money between your wallets, like an ATM withdrawal, and never counts as spending or income.

  • Categories that fit

    Twenty for spending and twelve for income. Add your own from hundreds of icons, in fifteen soft colours.

  • Import from another tracker

    Money Lover, Wallet, Spendee, Monefy, Cashew, YNAB or any CSV. See what comes in before it’s written, and remove any import.

  • iCloud sync

    Turn it on and both trackers follow you to your other iPhones, iPads and Mac, currency included. Off until you turn it on.

  • Widgets

    This month against your budget, the balance across your wallets, and a tile that opens a new entry. Lock Screen too.

  • iPhone, iPad and Mac

    One paper page on every screen, with green for money in and coral for money out. At home on an iPhone that folds.

How it works

Start in under a minute

No account to make and no bank to connect.

  1. Make a wallet

    Cash, a bank account or a card, with today’s balance.

    The Transactions tab: a balance of $18,033.04 across three wallets, the month's income and spending, and today's entries.

  2. Log as you go

    Tap +, type the amount and a few words. Save.

    The add form: Expense, Income and Transfer, −$18.40, the note Lunch with Emma, Wallet and Date, and the category chips with Food picked.

  3. Bring your history

    From Money Lover, Spendee, YNAB or any CSV.

    The Import tab: Choose a file or Paste a table, the trackers it works with, and a past Money Lover import of 1,284 entries with Remove.

Private by design

It couldn’t share your spending if it wanted to.

Read the PennyBook privacy policy

  • No account

    Nothing to sign up for. Open it and make a wallet.

  • No bank login

    PennyBook never talks to a bank. You write the entries.

  • No servers of ours

    No analytics, no third-party SDKs, nothing collected.

  • Your own iCloud, or nowhere

    Sync stays off until you turn it on.

  • Face ID lock

    Locks each time you leave, covered in the app switcher.

  • Export and erase, free

    Everything out as CSV, or erased, whenever you like.

Price

Try it with real money. Pay once if it sticks.

Free

100entries

  • Every feature from the first entry
  • 10 net worth items, and as many people as you like
  • Reading, search, export and erase stay free

PennyBook Pro

$19.99once

  • Unlimited entries and net worth items
  • iPhone, iPad and Mac on one Apple Account
  • No subscription, ever
DownloadFree on the App StoreNo subscription. Prices may vary by country.Or get PennyBook Pro free: write about PennyBook on Reddit or X

Questions

Asked before you download

Do I need an account?

No. There is no sign-in and no bank connection. You open the app, make your first wallet and start.

What is free, and what does Pro add?

Your first 100 entries and 10 net worth items are free, with every feature; money between people is never counted. After that, Pro is one payment of $19.99 that unlocks both trackers. Reading, searching, editing, importing, exporting and erasing stay free.

Does the net worth tracker connect to my bank or broker?

No. You enter each value yourself, and PennyBook keeps it current where it can: deposits and retirement accounts grow by their rate, gold follows the rate you set, and loans go down after each EMI. A check-in on the 1st asks for the rest.

Can I bring my history from another app?

Yes. Money Lover, Wallet, Spendee, Monefy, Cashew, YNAB, Goodbudget and Money Manager exports are recognised, and any CSV with a date and an amount works too.

What do I need to run it?

An iPhone or iPad with iOS 18 or later, or a Mac with Apple silicon. Ask PennyBook also needs Apple Intelligence and iOS 26 or later: iPhone 15 Pro or newer, or an iPad or Mac with M1 or newer.

All PennyBook answers in the help centre

Expense Tracker & Net Worth Tracker, for your eyes only.

First 100 entries and 10 net worth items free, then $19.99 once. iPhone, iPad and Mac.

DownloadFree on the App Store

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