# Pennyworth Expense Tracker App — No Bank Login Money Tracker

> Personal finance tracker for budgeting, spending, assets, and investments. (iPhone/iPad app by Jack Xuan.)

- Source: https://appshunter.io/ios/app/pennyworth-expense-tracker-app/id954944283 (this page in markdown: same URL + `.md`)
- Developer: [Jack Xuan](https://appshunter.io/developer/943334381)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 4.80/5 from 1,285 App Store ratings · 371 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 58 MB
- Languages: Korean, American English, Japanese, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2015-01-14
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/pennyworth-expense-tracker-app/id954944283/reviews.md

## What is Pennyworth Expense Tracker App?

Pennyworth is a simple, flexible personal finance app that helps you understand where your money goes, plan ahead, and manage different parts of your financial life in one place.

Log income and expenses in seconds, create budgets, manage multiple books, track assets and credit cards, follow your stock portfolio, and share books with family or trusted partners.

Start for free and build a money-tracking habit that works for you.

--- Main Features ---

Fast Expense Tracking
A clean, intuitive interface makes it easy to record income and expenses in just a few taps.

Multiple Books
Keep your personal, family, and business finances separate with different books for different needs.

iCloud Sync & Sharing
Sync books across compatible Apple devices with the same Apple ID.
Share selected books with family members, partners, or friends for collaborative money management.

Budgets & Financial Planning
Create budgets, monitor spending, and stay on top of where your money is going before it gets out of control.

Calendar View
See daily income, expenses, and balances at a glance, so you can quickly understand your spending patterns.

Reports & Charts
Use clear visual reports to review spending by category, track trends, compare income and expenses, and understand your overall financial situation.

Smart Tags
Add multiple tags such as Travel, Tax, Business, or Family to organize transactions across categories and analyze your data in flexible ways.

All-in-One Asset Management
Track cash, bank accounts, credit cards, loans, investments, and other assets.
Use transfers to record ATM withdrawals, credit card payments, e-money top-ups, and account movements.

Stock Portfolio Tracking
Log buys, sells, and dividends to manage your holdings.
Track portfolio value, review gains and losses, and keep asset values updated with automatic daily stock price updates.

Credit Card Tools
Manage credit card balances, payment due dates, installments, autopay, and upcoming payment amounts.

130+ Currencies
Manage foreign-currency accounts with automatic exchange-rate updates.

Recurring Transactions
Set up recurring items such as salary, rent, subscriptions, or regular bills to save time.

Receipt & Invoice Capture
Attach receipts and invoices to keep expense details organized, searchable, and easy to review.

Customizable Setup
Customize accounts, categories, members, color themes, and books to match the way you manage money.

Data Export & Backup
Export your data to CSV whenever you need it.
Use iCloud backup and sync to help keep your records safe across devices.

Privacy Lock
Protect your financial data with Face ID, Touch ID, or pattern lock.

Local-First by Design
Your records are saved on your device first, so you can view and edit your data even when offline.

Your Money, Your Records
Pennyworth is designed to help you stay in control of your financial records, with flexible tools for tracking, planning, sharing, and reviewing your money.

================
Contact Us
================
Email: swalloworks@gmail.com
X / Twitter: https://twitter.com/swalloworks
Facebook: https://www.facebook.com/tiantianjizhang

## Key features

- Fast, intuitive expense tracking
- Multiple financial books
- iCloud sync and sharing
- Smart tags for analysis
- Advanced reports and charts
- All-in-one asset management
- Stock portfolio tracking

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| cloud book - sync and share | $2.99 | one-time |
| Stock Management | $2.99 | one-time |
| remove ads | $3.99 | one-time |


## What do users think of Pennyworth Expense Tracker App?

Overall sentiment: positive

**Pros**

- 👍 User-friendly app
- 🚀 Simple and intuitive interface
- 💡 Helpful budgeting and expense tracking features
- 🚀 Efficient data management
- 👍 Customizable categories and reports
- 🚀 Convenient multi-currency support

**Cons**

- 🐛 Recurring transaction issues causing duplicate entries
- 🔍 Lack of search functionality
- 📤 Difficulty exporting data
- 🔒 Concerns about data security and syncing between devices

**Commonly reported bugs**

- Inconsistent data display (e.g., showing rounded numbers instead of actual amounts)
- Inability to add account balances
- Disappearance of user data after app updates

**Most requested features**

- Add custom repeat option for recurring payments
- Implement a 'Are you sure?' prompt before deleting transactions
- Improve image quality and restoration for uploaded receipts
- Introduce a 'Paid' mark for scheduled transactions
- Expand budgeting features with more granular controls
- Add support for more bank/financial institution icons

## Recent user reviews (10 of 371)

All indexed reviews: https://appshunter.io/ios/app/pennyworth-expense-tracker-app/id954944283/reviews.md

### 5/5 — 好讚

*2026-04-18, version 8.0.6*

記帳非常方便

### 4/5 — Great app

*2026-04-06, version 8.0.4*

Used for more than a year now, it’s great for tracking the expenses (inc travel expenses). It will be more useful if it can be shared with partners as sharing expenses are not allowed, which makes it a bit difficult to track the expenses if we are couples. Hope you include this feature very soon!!

### 4/5 — 簡單實用的記帳程本

*2026-04-03, version 8.0.2*

很好用的記帳程式，不過用中文打備註時，畫面很常卡住跳不上去，導致內容被鍵盤卡住而看不到打了什麼字，還望能儘早修正，可以給使用者一個更好的體驗。

### 5/5 — Best money management app

*2026-04-02*

Best app to manage your finances. Really awesome features and clean interface. 
Recently added stock feature is great too. Just one feedback on that - can we add the Purchase / Sale / Dividend to any existing bank accounts? That would make it comprehensive. Currently this has no implication on total aset balance.

### 5/5 — Ok

*2026-04-02, version 8.0.1*

Ok

### 5/5 — 介面好用，技術支援訊迅速

*2026-04-02, version 8.0.1*

記帳用了好幾年，今天不小心手殘誤刪了主要記帳本，偏偏沒有備份，差一點歷史資料都沒了，寫信請求🙏🏼支援服務，得到回覆的速度很快，也是幫忙把資料救了回來，只能給五星好評了👍

### 5/5 — 好用

*2026-04-01, version 8.0.1*

順暢，好用，簡單

### 5/5 — あまりにも使いやすい最高なアプリ

*2026-03-14, version 7.5.12*

もうかれこれ6年くらい使用していますが、簡単でつけやすく、大カテゴリなどでも分けることができて、これからもずっと使っていきたいアプリです！ ここからはただのわがままなのですが、同じ支払いの中でも項目が分けられたら嬉しいです！(例：4人でご飯に行って代金は4000円、自分の分は1000円だが、みんなからお金をもらってクレカで4000円を切った場合、今までだと全て交際費などでまとめるしかできないが、これを支払い上は4000円クレカのまま、分類だけ1000食費、3000雑費みたいに分けられると嬉しい) チップでもなんでも送りますので是非ご検討お願いします！

### 5/5 — 用過最好用的記帳軟體

*2026-03-13, version 7.5.12*

雲端發票匯入功能真是太讚了，有非常多貼近使用者的設計，大推

### 4/5 — 補記帳信用卡分期卻無法設定過去的日期

*2026-03-09, version 7.5.12*

補記帳信用卡分期卻無法設定過去的日期、要補記帳只能用當下的時間（比如2月消費、遇春節延後入帳、銀行三月不需繳費會空帳、變成四月才記帳、會有一個月的時間誤差）、這導致會有時間差、有點強迫症、希望可以設定補記帳的時間、避免記帳誤差

## Frequently asked questions about Pennyworth Expense Tracker App

### What does Pennyworth Expense Tracker App do?

Pennyworth is a personal finance app designed to help users control spending, plan for the future, and manage all their finances in one place. It allows for easy budget creation, money tracking, and setting financial goals, supported by reports and charts for a clear financial overview.

### What are the main features of Pennyworth?

Key features include fast and intuitive expense tracking, the ability to manage multiple financial books (personal, family, business), iCloud sync and sharing for collaborative accounting, smart tags for data analysis, calendar view, advanced reports and charts, all-in-one asset management, stock portfolio management, credit card tools, and support for over 130 currencies.

### Is Pennyworth Expense Tracker App free to use?

Yes, the app is free to use. However, it does offer in-app purchases, which may unlock additional features or functionalities beyond the core free offering.

### What devices is Pennyworth compatible with?

The app synchronizes books between devices with the same Apple ID, including iPhone, iPad, and M1 Macs. It is designed with a local-first approach, allowing viewing and editing even offline.

### How can I use Pennyworth for budgeting and tracking?

You can easily create budgets and log income and expenses in seconds through its clean UI. The app provides smart tags for classification and cross-category search, along with advanced reports and charts to analyze your spending ratio, trends, and overall financial status.

## Version history (last 5 releases)

### 8.1.5 — 2026-07-10

* Added tag sorting feature
* Minor bug fixes and improvements

### 8.1.4 — 2026-07-07

* Added tag sorting feature
* Minor bug fixes and improvements

### 8.1.3 — 2026-07-01

* Minor bug fixes and improvements

### 8.1.2 — 2026-06-15

* Added color settings for stock profit and loss
※ Access: Stock account detail page > Top right "..." button > Profit/Loss Color Settings
* Minor bug fixes and improvements

### 8.1.1 — 2026-05-17

* Stock cost adjustment feature
* Optimization of net asset calculation method for stock accounts
* Minor bug fixes and improvements

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## More apps by Jack Xuan

- [PennyworthLite Expense Tracker](https://appshunter.io/ios/app/pennyworthlite-expense-tracker/id1471621960)
- [Shopping List Grocery list app](https://appshunter.io/ios/app/shopping-list-grocery-list-app/id6443694484)
- [証明写真アプリ – スマホでプロ仕上げ](https://appshunter.io/ios/app/id6755094781)

All apps by Jack Xuan: https://appshunter.io/developer/943334381

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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 2026-08-28.*