PennyBook: Expense Tracker
Expenses & net worth, private
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Track spending and everything you own, all on your device. Every invest and redeem on record, loans by EMI, money between friends. No account. Pay once.
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.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Net worth now keeps a proper history. Invest, redeem, buy, sell, deposit or withdraw on any day, with a note, and see what each one left it worth. Mark something as sold or redeemed with what came back, and reopen it later if you need to.
Loans show what's left, the next EMI, and every EMI with how much came off the loan. Prepay or correct to your bank's figure. Card bills, overdrafts and other dues get Pay and Add charges.
People: see what's owed to you and what you owe at a glance, with due-soon and late reminders. Record money back, lend or borrow more, edit any amount, and settle up when you owe each other.
Plus a back and forward arrow for the date when adding entries, and many small fixes.
The developer, Shiva Prasad Manupadi, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Shiva Prasad Manupadi
- Size
- 9.5 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- PennyBook Pro $19.99
- Copyright
- © 2026 Papermint Studio