Penno

Your financial life belongs on your phone — not on someone else's server.

Penno is a budget tracker, debt tracker, and recurring expense manager that works 100% offline. No bank login. No account. No subscription. No ads. Pay once, own it forever.

What Penno does:

• Budget — set monthly limits per category, watch progress bars fill in real time
• Debt — track what you owe, log payments, watch the balance shrink
• Recurring — set it once, Penno logs it automatically every month
• Reports — compare months, see category breakdowns, track your progress
• Widgets — your budget on your home screen without opening the app
• Export — CSV and XLSX, anytime, to your Files app

What Penno doesn't do:

• Connect to your bank — ever
• Create an account for you
• Send your data anywhere
• Show you ads
• Charge a monthly fee

Your data lives in a single file on your device. Delete the app and it's gone. Export it and it's yours. No one else can see it, lose it, or sell it.

Penno works offline. On a plane, in a tunnel, with no signal — it works.

One-time purchase. No subscription. Yours forever.