# PennyNote: Expense Tracker — Private, chat-first spending

> Private, chat-first spending (iPhone/iPad app by Taron Mehrabyan.)

- Source: https://appshunter.io/ios/app/pennynote-expense-tracker/id6794940305 (this page in markdown: same URL + `.md`)
- Developer: [Taron Mehrabyan](https://appshunter.io/developer/6790012782)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 23 MB
- Languages: American English
- Released: 2026-08-14
- Data updated: 2026-09-30
- User reviews in markdown: https://appshunter.io/ios/app/pennynote-expense-tracker/id6794940305/reviews.md

## What is PennyNote?

PennyNote is a private, chat-first expense tracker for iPhone. Type “coffee 4.50” and it becomes a clean ledger entry. Ask “how much did I spend on food this month?” and get an answer calculated from your own data.

FAST MANUAL TRACKING
• Log expenses in natural language
• Add multiple purchases in one message
• Use your keyboard’s dictation for hands-free entry
• Edit any entry with a simple five-field form

YOUR SPENDING, MADE CLEAR
• Browse a clean ledger organized by date
• See monthly totals and category breakdowns
• Ask plain-language questions about your spending
• Create and manage your own categories
• Track recurring expenses and regular bills

PRIVATE BY DESIGN
• Your ledger stays in a local database on your iPhone
• No account, bank connection, backend, ads, or analytics
• Core tracking and answers work offline
• Apple Intelligence enhances language understanding on supported devices; a local fallback works without it

YOUR DATA REMAINS YOURS
• Import existing spreadsheet history
• Export your ledger to Excel whenever you want
• Erase all app data from Settings

PRICING
PennyNote includes a seven-day full evaluation. After it ends, your ledger remains readable and exportable. A one-time Pro Lifetime in-app purchase unlocks creating, editing, importing, recurring tracking, and spending questions. No subscription.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro Lifetime | $12.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-08-14

No release notes.

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## More apps by Taron Mehrabyan

- [Refresher AI](https://appshunter.io/ios/app/refresher-ai/id6790012780)

All apps by Taron Mehrabyan: https://appshunter.io/developer/6790012782

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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 2026-09-30.*