# Penno — Budget & Debt Tracker — No Bank. No Cloud. Offline.

> No Bank. No Cloud. Offline. (iPhone/iPad app by Muhammed Mustafa Demir.)

- Source: https://appshunter.io/ios/app/penno-budget-and-debt-tracker/id6770984755 (this page in markdown: same URL + `.md`)
- Developer: [Muhammed Mustafa Demir](https://appshunter.io/developer/1896343652)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 56 MB
- Languages: American English, Arabic, Danish, Finnish, French (France), German (Germany), Hebrew, Italian, Japanese, Korean and 5 more
- Released: 2026-05-28
- Data updated: 2026-09-04
- User reviews in markdown: https://appshunter.io/ios/app/penno-budget-and-debt-tracker/id6770984755/reviews.md

## What is 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.

Privacy Policy: https://getpenno.com/privacy/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime | $24.99 | one-time |
| Lifetime | $49.99 | one-time |
| Lifetime | $39.99 | one-time |
| Lifetime | $15.00 | one-time |
| Lifetime | $12.99 | one-time |
| Family Lifetime | $49.99 | one-time |
| Lifetime | $69.00 | one-time |
| Lifetime | $54.99 | one-time |
| Family Lifetime | $99.00 | one-time |
| Family Lifetime | $71.99 | one-time |
| Lifetime | $6.99 | one-time |
| Lifetime | $4.99 | one-time |



## Version history (last 5 releases)

### 3.5.3 — 2026-08-26

Purchase failures now include store error codes. In-app review waits until a screen is visible.

### 3.5.2 — 2026-08-22

Bug fixes and performance improvements.

### 3.5.1 — 2026-08-20

Bug fixes and performance improvements.

### 3.5.0 — 2026-08-19

Bug fixes and performance improvements.

### 3.4.1 — 2026-08-17

Bug fixes and performance improvements.

## Apps similar to Penno

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Expense Tracker: Budbud](https://appshunter.io/ios/app/expense-tracker-budbud/id6740998554) | — | Free | Finance |
| [BudgetPro Wallet](https://appshunter.io/ios/app/budgetpro-wallet/id6765647484) | — | Free | Finance |
| [Budjettikoutsi](https://appshunter.io/ios/app/budjettikoutsi/id6757117665) | — | Free | Finance |
| [Bütçe Yönetim](https://appshunter.io/ios/app/butce-yonetim/id6760420476) | — | Free | Finance |
| [Fino: Akıllı Gider-Gelir Takip](https://appshunter.io/ios/app/fino-akll-gider-gelir-takip/id6770639413) | — | Free | Finance |
| [Finansal Hayatım:Butce&Yatırım](https://appshunter.io/ios/app/finansal-hayatmbutce-and-yatrm/id6764647047) | — | Free | Finance |

## More apps by Muhammed Mustafa Demir

- [Japanese Practice: Conjugation](https://appshunter.io/ios/app/japanese-practice-conjugation/id6766985345)
- [Shizumori: Calm Sleep Sounds](https://appshunter.io/ios/app/shizumori-calm-sleep-sounds/id6780632487)
- [Archery Scoring Helper](https://appshunter.io/ios/app/archery-scoring-helper/id6784442911)
- [Cat Knitting app](https://appshunter.io/ios/app/cat-knitting-app/id6796063072)
- [Amigurumi Buddy](https://appshunter.io/ios/app/amigurumi-buddy/id6796706268)

All apps by Muhammed Mustafa Demir: https://appshunter.io/developer/1896343652

## Related topics

[penno](https://appshunter.io/ios/topics/penno)

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*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 2026-09-04.*