penNO

penNO helps you manage personal expenses and split costs with the people you share everyday life with: your partner, roommates, or friends. STRESS-FREE SHARED EXPENSES Connect with another user, choose which categories to share, and set the split percentage. penNO automatically calculates who owes what to whom, with no need for spreadsheets or calculators. ALWAYS UP-TO-DATE BALANCES See in real time how much you owe or are owed. Record partial or full payments and keep track of your settlement history. CUSTOMIZABLE CATEGORIES Organize your expenses with categories and subcategories. Decide which ones to share and at what percentage, category by category. RECURRING TRANSACTIONS Automate fixed expenses such as rent, bills, or subscriptions. penNO records them for you on the scheduled date and notifies you. CLEAR DASHBOARD A monthly overview with income, expenses, category breakdowns, and balances with your contacts, all at a glance. REAL-TIME NOTIFICATIONS Get notified when someone adds a shared expense, accepts your connection request, or records a settlement. penNO is designed for people who share expenses on an ongoing basis, not for splitting a dinner bill. If you live with someone and want clarity around money, penNO is for you. Terms of Use (EULA): https://penno.pro/en/eula/