PANAM: Money & Subscriptions

Your money. One place. PANAM brings your subscriptions, cards, spending, budgets, savings and net worth into one clear picture, and keeps all of it on your iPhone. No account. No ads. No tracking. There is no PANAM server: your data stays on your device unless you export it. PANAM (பணம்) is the Tamil word for money. SEE WHERE YOU STAND • What is left this month, at a glance: income, spending and your budget • Net worth with a six-month trend • "Up next": every renewal and card bill, soonest first • A Home Screen widget with this month, your net worth and what is due next SUBSCRIPTIONS YOU ACTUALLY UNDERSTAND • What they really cost you, per month and per year • Weekly, monthly, quarterly, yearly or any custom cycle • Free trials tracked, with a reminder before the first charge • Price rises spotted, with what they add up to over a year • Duplicates and subscriptions you no longer use, flagged • Split a plan with others and count only your share EVERY CARD, EVERY DUE DATE • A wallet-style stack of your credit and debit cards • Amount due, due date and payment history for each card • Only the last 4 digits are ever stored. Full card numbers are never entered. SPENDING AND BUDGETS • Log expenses, income and transfers in seconds, with the time they happened • Categories that fill themselves in as you type • One overall monthly budget, plus a budget for any category TRENDS AND REPORTS • Six months of spending, daily averages and what the month is on track for • A monthly report that sums up what you earned, spent and kept SMART, WITHOUT THE CLOUD Insights are worked out on your iPhone from what you have logged. Nothing is uploaded. • A free trial about to end • A budget nearly spent, or going too fast • An account that may not cover what is due this week ACCOUNTS, NET WORTH AND GOALS • Bank, cash, savings, investment, asset and loan accounts • What you own less what you owe, card dues included • Savings goals with a target, a date and what to put aside each month BRING YOUR DATA IN • Import a CSV or JSON export from your bank or another money app • Import a PDF statement, password-protected ones included • Scan a receipt, or share a payment screenshot or a bank alert to PANAM from any app • Pictures and files are read on your iPhone and go nowhere else REMINDERS THAT ARRIVE ON TIME • Renewals and card bills, at the time of day you choose • Three days before, the day before and on the day, or your own schedule • Optional alerts for price rises, budgets, low balances, and weekly and monthly summaries EVERY CURRENCY • Each entry keeps its own currency, with your own exchange rates for one total PRIVATE BY DESIGN • Everything is stored only on your iPhone • No account, no sign-in, no server • No ads and no analytics • Back up everything to one file you keep, and restore it whenever you like PANAM PRO PANAM is free to use, with up to 5 subscriptions, 2 cards and 50 entries a month. PANAM pro removes those limits and adds file and statement imports, receipt scanning, trends, the monthly report and the Home Screen widget. Backing up and restoring your data is always free. PANAM pro is offered as a yearly auto-renewing subscription, with a free trial for new subscribers, or as a one-time lifetime purchase. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically each year unless cancelled at least 24 hours before the end of the current period. You can manage or cancel it in Settings > Apple Account > Subscriptions. Any unused part of a free trial is forfeited when you buy a subscription. PANAM is a record-keeping tool. It is not a bank or a payment service, it does not move money, and it does not give financial advice. Bank and service names and logos belong to their owners; PANAM is not affiliated with them. Terms of Use: https://thryveapps.in/apps/panam/terms/ Privacy Policy: https://thryveapps.in/apps/panam/privacy/