# Penniva: Budget Planner — Expense Tracker, Bills & Debt

> Personal finance tracker for budgeting, expense management, and bill planning. (iPhone/iPad app by FIRDAVS AKILOV.)

- Source: https://appshunter.io/ios/app/penniva-budget-planner/id6759852580 (this page in markdown: same URL + `.md`)
- Developer: [FIRDAVS AKILOV](https://appshunter.io/developer/1881232980)
- Category: Finance, Productivity
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 16.0 · 16 MB
- Languages: American English
- Released: 2026-06-16
- Data updated: 2026-10-15
- Monetization: freemium

## What is Penniva?

Penniva helps you track everyday money, plan upcoming costs, and see what is safe to spend. Built for iPhone and iPad, it stores your budgeting data locally so you can keep tracking offline.

Start with the free essentials:
• Record income, expenses and transfers.
• Plan category budgets and income estimates.
• Track recurring bills and income.
• Review spending and cash flow.
• Export CSV files and create or restore full backups, including password-protected backups.

Penniva Pro adds CSV and QIF imports, cleanup rules, custom dashboards, manual balance updates, credit score tracking, debt payoff planning, transaction tags and splits, and optional Cloud Sync between your own iPhone and iPad. Cloud Sync requires iOS or iPadOS 17 or later and the same iCloud account on your devices. It is off until you turn it on and uses your private iCloud storage.

Choose a monthly or yearly subscription, or a one-time Lifetime purchase. Eligible yearly subscriptions offer a free trial. Buying Lifetime does not cancel an existing subscription; manage renewal through your Apple Account. Bank sync is not included in Lifetime and is not available in this release.

Early users keep eligible pre-Pro local features through founder recognition. Founder access is distinct from Pro and does not include Cloud Sync. Existing financial records remain readable, and CSV export and full local backup/restore remain free.

No Penniva account is required. Import processing happens on device. Penniva does not sell your financial data, show ads or track you.

Penniva is a tracking and planning tool. It does not provide financial, banking, investment, tax or credit services.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://penniva.app/privacy/

## Key features

- Record income, expenses, and transfers
- Plan category budgets and income estimates
- Track recurring bills and income
- Review spending and cash flow
- Export CSV files and create backups
- Optional Cloud Sync for devices
- Debt payoff planning and credit score tracking

## Is Penniva safe?

Not enough ratings yet to assess Penniva.

## Is Penniva legit?

Penniva: Budget Planner has limited verification signals. The AppsHunter Legitimacy Score for Penniva is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about Penniva

### What are the core features of Penniva available for free?

The free version of Penniva allows you to record income, expenses, and transfers. You can also plan category budgets, track recurring bills and income, review spending, and export data to CSV files with full local backups.

### What features are included in Penniva Pro?

Penniva Pro offers advanced features like CSV and QIF imports, custom dashboards, manual balance updates, credit score tracking, debt payoff planning, transaction tags and splits, and optional Cloud Sync between your iPhone and iPad.

### How does Penniva handle data security and privacy?

Penniva stores your budgeting data locally on your device, ensuring offline access and privacy. It does not require an account, processes imports on-device, does not sell your financial data, and does not show ads or track you.

### What are the subscription options for Penniva Pro?

Penniva Pro can be accessed through a monthly or yearly subscription, or a one-time Lifetime purchase. Eligible yearly subscriptions may offer a free trial period.

### Does Penniva offer bank synchronization?

Bank sync is not included in the current release of Penniva, including the Lifetime purchase option. The app focuses on manual tracking and data import/export.

### On which devices can Penniva be used?

Penniva is built for iPhone and iPad, supporting both platforms. Cloud Sync requires iOS or iPadOS 17 or later and the same iCloud account on your devices.

### How often is Penniva updated?

The latest version of Penniva is 1.1, which was last updated on September 21, 2026. This indicates a recent update, suggesting ongoing development and support.

### Does Penniva have ads?

No, Penniva does not show advertisements. The app is designed to be ad-free, allowing for an uninterrupted financial tracking experience.

## Version history (last 3 releases)

### 1.1 — 2026-09-21

Meet Penniva Pro
Add CSV and QIF imports, cleanup rules, custom dashboards, debt payoff planning, transaction tags and splits. Choose monthly, yearly or one-time Lifetime access.

Your budget, across your devices
Optional Cloud Sync keeps your budgeting data in step on your own iPhone and iPad through your private iCloud account. Requires Penniva Pro and iOS/iPadOS 17 or later. You choose when to turn it on.

Clearer planning and better everyday use
Recorded income is now clearer alongside monthly estimates. This update also improves recurring income history, large-text layouts and navigation in narrow iPad windows.

Your records stay yours
Core budgeting, CSV export and full local backups, including password-protected backups, remain free. Eligible early users keep their pre-Pro local features.

### 1.0.1 — 2026-08-25

iPad support

Penniva now runs natively on iPad, with layouts built for the larger screen.

Date fixes

Several dates could be off by one day depending on your time zone. All of these are now correct:

• Marking a recurring item paid in the evening scheduled the next one a day late.
• Approving a suggested recurring item could shift the date it proposed.
• Loan payoff schedules and payoff dates displayed a day early.
• A new account's starting balance could count the previous day's transactions twice.
• The account activity window, and the Transactions "This Month" filter, could be off by a day.

### 1.0 — 2026-06-16

No release notes.

## Apps similar to Penniva

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [The Reserve: Budget Planner](https://appshunter.io/ios/app/the-reserve-budget-planner/id6797650593) | — | Free | Finance |
| [Bi Budget](https://appshunter.io/ios/app/bi-budget/id6798511016) | 5.0 (2) | Free | Finance |
| [NOKORI - Survival Budget App](https://appshunter.io/ios/app/nokori-survival-budget-app/id6761115399) | — | Free | Finance |
| [Conduct Money](https://appshunter.io/ios/app/conduct-money/id6752409940) | — | Free | Finance |
| [Paycheck Pilot LLC](https://appshunter.io/ios/app/paycheck-pilot-llc/id6758778316) | 5.0 (4) | Free | Finance |
| [Wealth: Budget & Expense Track](https://appshunter.io/ios/app/wealth-budget-and-expense-track/id6754452763) | — | $6.99 | Finance |

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-15.*