A privacy-first budget tracker for iOS. No bank login, no subscription, no account — pay once and your data stays on your device.
Penno never asks for your bank credentials. Zero network calls about your money — open the app on a plane and it works.
Install, open, start budgeting. There’s no “create account” screen. There’s no account.
Pay once, own it. No monthly fee, no annual renewal, no “upgrade to Pro” nag. The whole app, in the version you bought.
Your data is a single SQLite file on your phone. We don’t have it. We can’t lose it. We can’t leak it.
Paid $20 in cash, $30 on Venmo? Note it. Each debt payment carries its own note — so six months later you actually remember.
Chip away at a debt $20 at a time. Each payment is its own row with its own date — see the timeline grow as the balance drops.
Forgot about money someone owes you? Penno hasn’t. Get a quiet nudge for debts that haven’t moved — before they get awkward.
Set it once. The recurring charge logs itself on bill day every month — with a reminder the day before.
“Finally, an app that doesn't ask for my bank login. I deleted three apps last year for that exact reason.”
“I'm tired of every budgeting app turning into a subscription. Paid once, no nags ever since.”
“The reminder for old IOUs is brilliant. I'd literally forgotten my brother owed me $200.”
Penno never makes a network call about your finances. Your transactions, debts, and recurring charges live in budget-planner.db on your device. Export is your choice: share a CSV or XLSX with yourself — or restore from one. That’s the only time data leaves the app.
Something off? Send us an email — a real human reads every message, usually within a day.
No. Penno never asks for your bank login and contains no bank-aggregation SDK. Every transaction is entered manually. This is a deliberate architectural choice — your financial data never leaves your device.
One-time purchase. Pay once, own the app forever. No monthly fee, no annual renewal, no "upgrade to Pro" nag. The version you buy includes every feature.
Everything is stored in a local SQLite database on your iPhone (budget-planner.db). Penno makes zero network calls about your finances. We don't have your data because we never receive it. Delete the app and the data is gone with it.
Yes — Penno is offline-first by design. Open the app on a plane, in a basement, or anywhere with no signal. Every feature works. There is no cloud sync to wait for.
You can pick your primary currency in onboarding and change it any time in Settings. Penno uses the device locale for number formatting (JPY/KRW render with zero decimals, EUR placement follows your region). There is no live currency conversion — Penno tracks the currency you choose.
Yes. Penno exports your entire dataset to CSV or XLSX with one tap. CSV is round-trippable (you can import it back later — useful for moving between devices). XLSX is read-only. Both are scoped: pick which tables (transactions, categories, recurring, debts) and which date range to include.
Not yet. Penno is currently iOS only (iPhone, iOS 15+). An Android version is on the roadmap but not committed to a date — building a privacy-first app well is slow work.
All your data is deleted with it. There is no cloud copy because there is no cloud. Before deleting, export your data to CSV or XLSX and save the file somewhere safe (iCloud Drive, email to yourself, etc.) — you can import it back if you reinstall.