Pennie -Track Debt and Expense

Prayo Softwares

Contains adsIn-app purchases

About this app

📱 **Pennie — Expense Tracker & Budget Planner**

Pennie is a local-first expense tracker, budget planner and money manager for Android. Capture spending from supported bank, UPI and credit-card notifications, track income and savings, and manage loans and EMIs in one place.

Spend less time entering expenses and more time understanding your money.

🔔 **Automatic Expense Tracking**
Turn supported payment alerts into editable transaction drafts. Pennie reads available notifications from apps you choose, including bank apps, SMS apps and Gmail. It does not connect directly to your bank or read your entire email inbox.

Review amounts, dates, categories and subcategories before saving. Edit unclear details or ignore unwanted captures. Cash purchases and missing alerts can still be entered manually.

🎯 **Budget Planner & Spending Insights**
Organize expenses with default or custom categories, subcategories and notes. Set category budgets, explore spending charts and compare income with expenses. Mark purchases as essential or non-essential to understand needs versus wants. Choose your preferred currency and number format.

🏦 **Loan Tracker & EMI Calculator**
Track borrowing, lending, repayments, credit-card debt and savings. Configure interest where appropriate and use the EMI planner to explore repayment schedules and the estimated effect of prepayments. Calculations depend on your inputs and may differ from your lender’s figures.

📅 **Subscriptions & Payment Reminders**
Record subscriptions and recurring payments. Create bill and EMI reminders, and enable budget warnings, expense-review reminders and periodic recaps. Notification delivery depends on Android settings and battery restrictions.

📊 **Reports & Excel Exports**
Explore local financial reports, category trends and income-versus-expense summaries. Export an Excel workbook covering one to six calendar months for further analysis. Report exports are separate from restorable backups.

🤖 **Optional AI & Bill Scanning**
On-device category suggestions learn from your saved transaction notes and corrections. Optional cloud AI can help suggest categories and subcategories when local evidence is insufficient.

With cloud AI enabled, scan or import a receipt, review the extracted details and save the checked bill. Current cloud bill parsing uses recognized text, not receipt-image uploads. Cloud AI requires sign-in, explicit consent, internet access and available AI usage.

🔒 **Local-First Finance, With Clear Choices**
Your transaction database is stored on your device. Core record-keeping and local reports work offline without a cloud account. Protect app access with an optional device lock.

Cloud AI and Google Drive backup are optional, with separate permission and account requirements. Enabled cloud features send relevant data to online services. Account services, feedback and advertising also have their own data handling, explained in the Pennie Privacy Policy.

🚀 **Get Started**
1. Enable notification access and choose which apps to monitor.
2. Receive a supported financial alert.
3. Review the draft, make corrections and save.
4. See your saved activity in dashboards, budgets and reports.

⚙️ **Requirements & Feature Access**
Android 7.0 or later. Notification access is needed for automatic capture. Capture and category suggestions may not recognize every transaction correctly.

Some features require rewarded-ad access or a paid plan. Regular Premium and AI Premium are separate; Google Drive backup requires regular Premium and separate authorization.

Make everyday money management simpler with Pennie: track expenses, plan budgets and understand your financial habits.

What’s new

- Cleaner Add transaction screen.
- Restored Back arrow and right-aligned Help.
- Easier access to the floating Save button.
- Updated About page and Pennie website link.