Penvo - AI Voice Expense Log
Budget Tracker for Life & Work
Free · In‑App Purchases
Hold the + and just say it — a full entry in about a second. Settle a shared ledger in one tap, and envelope budgets now hold every category to its own limit.
Just say it out loud. "Four fifty for coffee" — and it's recorded before you've put your phone back in your pocket. No form to fill, no keyboard, nothing to give up on three days later.
That's the whole idea. Most people abandon expense apps because logging takes too long. Penvo makes it take one second.
VOICE & AI ENTRY
• Press and hold + and speak — AI picks out the amount, category and note
• Ask Siri without opening the app at all
• Action Button on iPhone 15 Pro and later: one press, start talking
• Apple Watch: log from your wrist in two taps
• Home screen widget for a one-tap entry
• Photograph a receipt and AI fills in the merchant, total and currency
EVERYDAY MONEY
• Daily and monthly overviews with clear category breakdowns
• Donut charts and trend graphs by week, month or year
• Envelope budgets: give each category its own limit, and an overspend in one no longer quietly eats another
• Recurring bills — subscriptions, rent, utilities — with reminders
• 25 currencies, mixed freely in a single ledger and converted for you
• Search your whole history; collapse settled days to keep the list clean
• 13 languages, light and dark
SHARED LEDGERS
• Share a ledger with a partner, family or roommates
• Everyone adds their own entries; the group total updates for all of you
• Settle up: Penvo works out who owes whom and clears the balances in one step
• Made for rent, trips and the weekly shop
PLANNING AHEAD
• To-dos for the financial jobs that slip — pay the card, cancel that subscription
• Wishlist: save what you're considering, track progress, and turn it into an expense the day you buy it
• Collectibles: photograph a card and AI reads the name, number and rarity, then values the set
BUSINESS MODE
One tap away from your personal ledger, and completely separate from it:
• Today's income, costs and profit at a glance
• Receivables — who owes you, how much, and when it's due
• Recurring business costs: rent, utilities, wages, commissions
• Full transaction history grouped by day
PENVO PRO
Siri and Action Button entry, Apple Watch, receipt and collectible scanning, shared ledgers, recurring bills, business mode, mixed currencies and Face ID lock. Free for 30 days, no card needed.
Invite a friend: once they've logged 20 entries you both get 7 days of Pro. If they subscribe monthly you get 7 more days, yearly 30.
PRIVACY
• Local mode needs no account at all — your data stays on your iPhone, backed up through your own iCloud
• Face ID / Touch ID lock, with a grace period so it doesn't ask again every time you switch apps
• No ads. We don't sell your data, and we never see your bank credentials because Penvo never asks for them
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Press and hold the + to speak
Hold the + button and just say it. The entry fills itself in without taking you away from the screen you were on.
Settle up a shared ledger
Penvo now works out who owes whom across the whole ledger and clears the balances in one step. No more adding it up by hand at the end of a trip.
Envelope budgets stay in their own lane
Every category is held to its own limit, so going over on one no longer quietly eats into another.
Write to us from inside the app
Send feedback from Settings, attach photos, and read the reply right here. Tap any image to open it full size.
The Face ID lock gives you a moment
Switching to another app briefly no longer means unlocking again the second you come back.
Also in this release
• A short walkthrough showing how to put the Penvo widget on your home screen
• After you create a recurring bill, Penvo offers to log the first entry there and then
• Receipt photos are scaled down before scanning — noticeably faster, just as accurate
• Fixed: entries other people had added to a shared ledger could be deleted
• Fixed: the home screen widget started out in English until you visited Settings
The developer, Wenzhou Duoying E-Commerce Co., Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Wenzhou Duoying E-Commerce Co., Ltd.
- Size
- 81.4 MB
- Category
- Finance
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPad
Requires iPadOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later. - Apple Watch
Requires watchOS 10.0 or later.
- iPhone
- Languages
English and 13 more
- English, Dutch, French, German, Indonesian, Italian, Japanese, Korean, Norwegian Bokmål, Portuguese, Simplified Chinese, Spanish, Swedish, Traditional Chinese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Life time $59.99
- Penvo Pro Yearly $29.99
- Penvo Pro Monthly $3.99
- Copyright
- © 2026 Liu Ciming