Pennote Expense Tracker Budget
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About this app
Pennote is a private, offline expense tracker and budget planner. Track every spend, plan a monthly budget, and manage subscriptions — without a signup, without sharing data.
Built for people who want a simple expense tracker that doesn't ask for bank logins, doesn't read your SMS, and doesn't sync to a cloud. A clean money tracker that stays on your phone.
Daily expense tracker, budget planner, subscription manager, bill reminder, cash-envelope budgeting, and a personal lending ledger — all in one private, offline app.
✦ WHAT YOU CAN DO
✓ Quick expense logging — amount, category, done. Most entries take seconds.
✓ Home-screen widget — add an expense in one tap, without opening the app.
✓ Cash Envelopes (cash stuffing) — split income into digital envelopes and spend only what each one holds.
✓ Recurring transactions — auto-log rent, EMIs, salary and subscriptions on a schedule.
✓ Smart Money Leak Detector — spots unused subscriptions, food-delivery patterns and impulse buys.
✓ Monthly budget planner — a total cap or per-category limits, with gentle alerts before you overspend.
✓ Subscription tracker — every recurring charge in one place. Cancel what you don't use.
✓ Bill reminder — get a notification the day before each due date.
✓ Multi-currency expense tracker — 40+ currencies including the Indian Rupee, US Dollar, Euro and Pound.
✓ Lending ledger (khata) — track money you've lent or borrowed; send a reminder over WhatsApp or SMS.
✓ Local backup & CSV export — back up your data and export to Excel or Google Sheets anytime. Your data is yours.
✓ Weekly recap, daily streaks, and a biometric app lock (fingerprint, face or PIN).
✦ PRIVATE BY DESIGN
→ No account. No sign-up.
→ No SMS reading. No contact access.
→ No cloud sync — every transaction lives in a local database on your device.
→ No analytics on your money data.
If an expense tracker doesn't need those permissions to do its job, it shouldn't ask.
✦ WHY PENNOTE IS DIFFERENT
→ Built for habit. Streaks, evening summaries and gentle midday check-ins make daily expense tracking automatic.
→ Insights that save money. Pennote analyzes your patterns and shows you where your money leaks each month.
→ A real khata. A simple bahi-khata-style lending ledger so you stop losing track of money you've lent to friends and family.
✦ PENNOTE PREMIUM
Upgrade once, unlock everything:
✓ Zero ads, anywhere in the app
✓ Full Money Leak Detector with monthly savings projections
✓ Advanced reports — payment-method splits, category trends, weekend vs weekday
✓ End-of-month spending forecast
✓ Monthly PDF statements — share with your CA or save for taxes
✓ Advanced export — PDF and CSV for any date range
✓ Per-person lending PDF statements
✓ 7-day free trial on the yearly plan
Basic local backup and CSV export are always free.
✦ FREQUENTLY ASKED
Q: Do I need an account?
A: No. Pennote works fully offline — no sign-up, no cloud sync, no tracking.
Q: What is cash stuffing / envelope budgeting?
A: You split your income into digital envelopes for categories like groceries, rent and bills, then spend only what each holds — no physical cash needed.
Q: Does Pennote work as a bahi khata / udhaar ledger?
A: Yes — a khata-style ledger for money you lend or borrow, with WhatsApp and SMS reminders, fully offline.
Q: Can I track expenses in Indian Rupees?
A: Yes. Pennote supports 40+ currencies including INR, USD, EUR, GBP, AED and SGD.
Q: Can I export my data?
A: Free local backup and CSV export are built in. Premium adds PDF statements and date-range exports.
Take control of your money. Download Pennote — a private, offline expense tracker and budget planner.
Got feedback? Email steptechnovision@gmail.com — we read every message and ship updates every two weeks.
Built for people who want a simple expense tracker that doesn't ask for bank logins, doesn't read your SMS, and doesn't sync to a cloud. A clean money tracker that stays on your phone.
Daily expense tracker, budget planner, subscription manager, bill reminder, cash-envelope budgeting, and a personal lending ledger — all in one private, offline app.
✦ WHAT YOU CAN DO
✓ Quick expense logging — amount, category, done. Most entries take seconds.
✓ Home-screen widget — add an expense in one tap, without opening the app.
✓ Cash Envelopes (cash stuffing) — split income into digital envelopes and spend only what each one holds.
✓ Recurring transactions — auto-log rent, EMIs, salary and subscriptions on a schedule.
✓ Smart Money Leak Detector — spots unused subscriptions, food-delivery patterns and impulse buys.
✓ Monthly budget planner — a total cap or per-category limits, with gentle alerts before you overspend.
✓ Subscription tracker — every recurring charge in one place. Cancel what you don't use.
✓ Bill reminder — get a notification the day before each due date.
✓ Multi-currency expense tracker — 40+ currencies including the Indian Rupee, US Dollar, Euro and Pound.
✓ Lending ledger (khata) — track money you've lent or borrowed; send a reminder over WhatsApp or SMS.
✓ Local backup & CSV export — back up your data and export to Excel or Google Sheets anytime. Your data is yours.
✓ Weekly recap, daily streaks, and a biometric app lock (fingerprint, face or PIN).
✦ PRIVATE BY DESIGN
→ No account. No sign-up.
→ No SMS reading. No contact access.
→ No cloud sync — every transaction lives in a local database on your device.
→ No analytics on your money data.
If an expense tracker doesn't need those permissions to do its job, it shouldn't ask.
✦ WHY PENNOTE IS DIFFERENT
→ Built for habit. Streaks, evening summaries and gentle midday check-ins make daily expense tracking automatic.
→ Insights that save money. Pennote analyzes your patterns and shows you where your money leaks each month.
→ A real khata. A simple bahi-khata-style lending ledger so you stop losing track of money you've lent to friends and family.
✦ PENNOTE PREMIUM
Upgrade once, unlock everything:
✓ Zero ads, anywhere in the app
✓ Full Money Leak Detector with monthly savings projections
✓ Advanced reports — payment-method splits, category trends, weekend vs weekday
✓ End-of-month spending forecast
✓ Monthly PDF statements — share with your CA or save for taxes
✓ Advanced export — PDF and CSV for any date range
✓ Per-person lending PDF statements
✓ 7-day free trial on the yearly plan
Basic local backup and CSV export are always free.
✦ FREQUENTLY ASKED
Q: Do I need an account?
A: No. Pennote works fully offline — no sign-up, no cloud sync, no tracking.
Q: What is cash stuffing / envelope budgeting?
A: You split your income into digital envelopes for categories like groceries, rent and bills, then spend only what each holds — no physical cash needed.
Q: Does Pennote work as a bahi khata / udhaar ledger?
A: Yes — a khata-style ledger for money you lend or borrow, with WhatsApp and SMS reminders, fully offline.
Q: Can I track expenses in Indian Rupees?
A: Yes. Pennote supports 40+ currencies including INR, USD, EUR, GBP, AED and SGD.
Q: Can I export my data?
A: Free local backup and CSV export are built in. Premium adds PDF statements and date-range exports.
Take control of your money. Download Pennote — a private, offline expense tracker and budget planner.
Got feedback? Email steptechnovision@gmail.com — we read every message and ship updates every two weeks.
Expense tracker, budget planner & money manager. Offline, no account, private.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
What's new in 1.1.0
• Cash Envelopes — the digital cash-stuffing method
• Recurring transactions — auto-log rent, EMIs & salary
• Home-screen quick-add widget
• Faster statements + local backup & CSV export
• Money-lending khata reminders
• Smoother onboarding, streaks & smart reminders
100% offline. No account. Your data stays on your phone.
• Cash Envelopes — the digital cash-stuffing method
• Recurring transactions — auto-log rent, EMIs & salary
• Home-screen quick-add widget
• Faster statements + local backup & CSV export
• Money-lending khata reminders
• Smoother onboarding, streaks & smart reminders
100% offline. No account. Your data stays on your phone.
Everyone
Learn moreApp support
About the developer
KATESHIYA RAJ DHIRAJLAL
steptechnovision@gmail.com
104 SHYAMDHAM SANKUL 1 SHYAMDHAM CHOK,
PUNAGAM, CHORASI,
SURAT, Gujarat 395010
India
