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, 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.
Whether you need a daily expense tracker, a budget planner, a subscription manager, a bill reminder, or a personal lending ledger — Pennote brings all five into one private offline app.
✦ WHAT YOU CAN DO WITH PENNOTE
✓ Quick expense logging — type the amount, pick a category, done. Most entries take seconds.
✓ Smart Money Leak Detector — spots unused subscriptions, food-delivery patterns, and impulse-shopping habits.
✓ Monthly budget planner — set a total cap or per-category limits. Gentle alerts before you overspend.
✓ Subscription tracker — every recurring charge in one place. Cancel what you don't use.
✓ Bill reminder — pin recurring bills and 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 friendly reminder over WhatsApp or SMS.
✓ Weekly money recap — every Sunday, a clean summary of last week vs. the week before.
✓ Daily streaks — gentle nudges that keep your tracking habit alive.
✓ Biometric app lock — fingerprint, face, or PIN.
✓ Lightweight — under 25 MB. Runs on any modern Android phone.
✦ PRIVATE BY DESIGN
→ No account. No sign-up. No verification call.
→ 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. Most expense trackers just log what you type. Pennote analyzes patterns and shows you where your money leaks each month.
→ A real khata. A Khatabook-style lending ledger so you can 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 analysis
✓ End-of-month spending forecast
✓ Monthly PDF statements — share with your CA or save for taxes
✓ Smart export — CSV and PDF for any date range
✓ Per-person lending PDF statements
✓ 7-day trial on the yearly plan
✦ FREQUENTLY ASKED
Q: Do I need an account?
A: No. Pennote works fully offline. No sign-up, no cloud sync, no tracking.
Q: Is Pennote really private?
A: Yes. Transactions never leave your phone. We don't read SMS, don't access contacts, and there is no cloud database.
Q: Is Pennote a Khatabook alternative?
A: Pennote includes a khata-style lending ledger for money lent or borrowed, with WhatsApp and SMS reminders — fully offline, no signup.
Q: Can I track expenses in Indian Rupees?
A: Yes. Pennote supports 40+ currencies including INR, USD, EUR, GBP, AED, SGD and more.
Q: Can I export my data?
A: Yes. Premium users export to CSV or PDF for any date range.
Q: Can I use Pennote on a low-end phone?
A: Yes. The app is under 25 MB and runs on any modern Android phone.
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.
Whether you need a daily expense tracker, a budget planner, a subscription manager, a bill reminder, or a personal lending ledger — Pennote brings all five into one private offline app.
✦ WHAT YOU CAN DO WITH PENNOTE
✓ Quick expense logging — type the amount, pick a category, done. Most entries take seconds.
✓ Smart Money Leak Detector — spots unused subscriptions, food-delivery patterns, and impulse-shopping habits.
✓ Monthly budget planner — set a total cap or per-category limits. Gentle alerts before you overspend.
✓ Subscription tracker — every recurring charge in one place. Cancel what you don't use.
✓ Bill reminder — pin recurring bills and 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 friendly reminder over WhatsApp or SMS.
✓ Weekly money recap — every Sunday, a clean summary of last week vs. the week before.
✓ Daily streaks — gentle nudges that keep your tracking habit alive.
✓ Biometric app lock — fingerprint, face, or PIN.
✓ Lightweight — under 25 MB. Runs on any modern Android phone.
✦ PRIVATE BY DESIGN
→ No account. No sign-up. No verification call.
→ 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. Most expense trackers just log what you type. Pennote analyzes patterns and shows you where your money leaks each month.
→ A real khata. A Khatabook-style lending ledger so you can 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 analysis
✓ End-of-month spending forecast
✓ Monthly PDF statements — share with your CA or save for taxes
✓ Smart export — CSV and PDF for any date range
✓ Per-person lending PDF statements
✓ 7-day trial on the yearly plan
✦ FREQUENTLY ASKED
Q: Do I need an account?
A: No. Pennote works fully offline. No sign-up, no cloud sync, no tracking.
Q: Is Pennote really private?
A: Yes. Transactions never leave your phone. We don't read SMS, don't access contacts, and there is no cloud database.
Q: Is Pennote a Khatabook alternative?
A: Pennote includes a khata-style lending ledger for money lent or borrowed, with WhatsApp and SMS reminders — fully offline, no signup.
Q: Can I track expenses in Indian Rupees?
A: Yes. Pennote supports 40+ currencies including INR, USD, EUR, GBP, AED, SGD and more.
Q: Can I export my data?
A: Yes. Premium users export to CSV or PDF for any date range.
Q: Can I use Pennote on a low-end phone?
A: Yes. The app is under 25 MB and runs on any modern Android phone.
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.
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
Introducing Lending - Pennote's new tab for keeping a clean record of money you've lent to (or borrowed from) friends and family. Send a friendly reminder by WhatsApp or SMS in one tap, and export a per-person PDF statement when it's time to settle up.
Also improved:
* Time picker on every expense entry
* Pennote remembers your last-used payment method
* Smarter phone and country-code handling for reminders
* Smoother onboarding and restore-purchases flow
* Performance polish across the app
Also improved:
* Time picker on every expense entry
* Pennote remembers your last-used payment method
* Smarter phone and country-code handling for reminders
* Smoother onboarding and restore-purchases flow
* Performance polish across the app
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
