Pennie -Track Expense & Budget

Prayo Softwares

Contains adsIn-app purchases

About this app

📱Stop Manually Typing Every Expense. Let Your Notifications Do the Work.
Pennie is an automatic expense tracker that captures your spending from bank notifications, UPI alerts, credit card SMS, and Gmail—instantly converting them into organized transactions you can review and approve in seconds.

No more "I forgot to log that coffee" or "where did my money go?" Just smart, offline personal finance tracking that respects your privacy.

🎯 Why to Choose Pennie
✓ Auto-Capture from Notifications
Bank SMS, UPI alerts, credit card notifications, Gmail receipts—Pennie reads them and pre-fills transactions. You just tap to approve.

✓ Truly Offline & Private
Your financial data never leaves your device. No cloud sync, no sign-in required, no data sharing. Works perfectly in airplane mode or low connectivity.

✓ Smart Review Flow
Review multiple pending transactions together. Bulk approve, edit categories, or dismiss—all in one shot. Saves hours every month.

✓ Essential vs Non-Essential Tracking
Instantly see where your "leakage spending" happens. Understand wants vs needs and improve your financial habits over time.

✓ Complete Loan & EMI Manager
Track multiple loans with automatic daily interest calculation. Visualize payoff timelines, simulate extra payments, and see how much you can save.

💡 How Pennie Works (It's Ridiculously Simple)
Receive a payment notification (bank, UPI, card, Gmail)
Pennie auto-extracts amount, merchant, category, date
You review & approve the transaction (or edit/dismiss)
Instant insights appear in your dashboard and reports
No manual typing. No forgotten expenses. Just accurate, automated personal finance management.

🔒 Your Privacy is Our Priority
100% offline processing - all data stays on your phone
No account creation required (optional device lock with biometric)
SQLite local database - no external servers, no API calls
Export control - you decide what to share and when
Clear anytime - delete pending items or history instantly

⚡ Key Features
Automatic Expense Tracking
UPI notification capture (Google Pay, PhonePe, Paytm, BHIM)

Money Management
Category-wise spending breakdown
Budget setting & tracking
Essential/Non-essential classification
Custom tags and notes
Multi-currency support

Loan & EMI Tools
Track unlimited loans (personal, home, car, education)
Daily interest accrual calculation
EMI planner with prepayment simulation
Payoff timeline visualization
Interest vs principal breakdown

Reports & Analysis
Monthly/yearly summaries
Category trends and charts
Income vs expense tracking
CSV export for Excel/Sheets
Custom date range reports

Smart Automation
Recurring transaction detection
Merchant name normalization
Auto-category suggestions
Batch approval workflow

📊 Perfect For
Busy professionals tired of manual expense logging
Budget-conscious individuals tracking every rupee
Loan borrowers wanting to optimize payoff strategies
Privacy-focused users avoiding cloud finance apps
Frequent travelers needing offline money management
Anyone seeking financial clarity without complexity

🎓 How Pennie is Different
vs Manual Entry Apps: Pennie auto-captures from notifications—90% less typing
vs Cloud Finance Apps: 100% offline, your data never leaves your device
vs Banking Apps: Cross-bank view, better categorization, EMI tools, essential tracking
vs Spreadsheets: Automatic capture, mobile-first, instant insights

📱 Requirements
Android 5.0 or higher
Notification access permission (to read financial alerts)
SMS permission (optional, for bank SMS parsing)
Storage permission (for data backup/export)

Stop guessing where your money went. Start knowing.

Keywords: expense tracker, budget app, personal finance, money manager, automatic expense tracking, UPI tracker, EMI calculator, loan manager, spending tracker, offline finance app, private expense tracker, bank notification parser, SMS expense tracker, budget planner, financial tracker India

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