# Penvo - AI Voice Expense Log — Budget Tracker for Life & Work

> AI-powered voice expense logging and financial management tool. (iPhone/iPad app by Wenzhou Duoying E-Commerce Co., Ltd..)

- Source: https://appshunter.io/ios/app/penvo-ai-voice-expense-log/id6766038118 (this page in markdown: same URL + `.md`)
- Developer: [Wenzhou Duoying E-Commerce Co., Ltd.](https://appshunter.io/developer/1273091154)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 78 MB
- Languages: American English, Dutch, French (France), German (Germany), Indonesian, Italian, Japanese, Korean, Norwegian Bokmål, European Portuguese and 4 more
- Released: 2026-05-31
- Data updated: 2026-09-18
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/penvo-ai-voice-expense-log/id6766038118/reviews.md

## What is Penvo?

Just say it out loud. "Four fifty for coffee" — and it's recorded before you've put your phone back in your pocket. No form to fill, no keyboard, nothing to give up on three days later.

That's the whole idea. Most people abandon expense apps because logging takes too long. Penvo makes it take one second.

VOICE & AI ENTRY
• Press and hold + and speak — AI picks out the amount, category and note
• Ask Siri without opening the app at all
• Action Button on iPhone 15 Pro and later: one press, start talking
• Apple Watch: log from your wrist in two taps
• Home screen widget for a one-tap entry
• Photograph a receipt and AI fills in the merchant, total and currency

EVERYDAY MONEY
• Daily and monthly overviews with clear category breakdowns
• Donut charts and trend graphs by week, month or year
• Envelope budgets: give each category its own limit, and an overspend in one no longer quietly eats another
• Recurring bills — subscriptions, rent, utilities — with reminders
• 25 currencies, mixed freely in a single ledger and converted for you
• Search your whole history; collapse settled days to keep the list clean
• 13 languages, light and dark

SHARED LEDGERS
• Share a ledger with a partner, family or roommates
• Everyone adds their own entries; the group total updates for all of you
• Settle up: Penvo works out who owes whom and clears the balances in one step
• Made for rent, trips and the weekly shop

PLANNING AHEAD
• To-dos for the financial jobs that slip — pay the card, cancel that subscription
• Wishlist: save what you're considering, track progress, and turn it into an expense the day you buy it
• Collectibles: photograph a card and AI reads the name, number and rarity, then values the set

BUSINESS MODE
One tap away from your personal ledger, and completely separate from it:
• Today's income, costs and profit at a glance
• Receivables — who owes you, how much, and when it's due
• Recurring business costs: rent, utilities, wages, commissions
• Full transaction history grouped by day

PENVO PRO
Siri and Action Button entry, Apple Watch, receipt and collectible scanning, shared ledgers, recurring bills, business mode, mixed currencies and Face ID lock. Free for 30 days, no card needed.

Invite a friend: once they've logged 20 entries you both get 7 days of Pro. If they subscribe monthly you get 7 more days, yearly 30.

PRIVACY
• Local mode needs no account at all — your data stays on your iPhone, backed up through your own iCloud
• Face ID / Touch ID lock, with a grace period so it doesn't ask again every time you switch apps
• No ads. We don't sell your data, and we never see your bank credentials because Penvo never asks for them

Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Voice-activated expense logging
- AI receipt scanning
- Personal budgeting and trend analysis
- Shared ledgers for group expenses
- Smart to-do lists and savings goals
- Business mode for revenue tracking
- Multi-currency support

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Penvo Pro Monthly | $3.99 | per month |
| Penvo Pro Yearly | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Life time | $59.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/penvo-ai-voice-expense-log/id6766038118/reviews.md

### 5/5 — A

*2026-07-01*

Awesome app , very helpful

## Frequently asked questions about Penvo

### How does Penvo log expenses?

Penvo uses AI to instantly capture amounts, categories, and notes when you speak an expense. You can also snap a receipt, and the AI will read and fill in the details automatically.

### What are the benefits of Penvo Pro?

Penvo Pro unlocks features like recurring reminders, advanced trend analysis, and more. A 30-day free trial is available, and you can earn extra Pro days by inviting friends.

### Can Penvo be used for shared expenses?

Yes, Penvo allows you to create shared ledgers with friends, family, or roommates. Everyone can add their expenses, and the group total is updated in real time, making it ideal for splitting bills.

### Does Penvo offer a business mode?

Yes, Penvo has a business mode that can be switched to with one tap. It allows you to track daily revenue, costs, profit, and receivables, as well as recurring business expenses.

### What security features does Penvo have?

Penvo is secured with Face ID/Touch ID lock to protect your financial data. The developer states that your data stays yours.

### How often is Penvo updated?

The latest version of Penvo was released on June 14, 2026, indicating recent development activity. Users can expect regular updates to improve functionality and add new features.

### What devices does Penvo support?

Penvo is available on iPhone, iPad, and iPod. It also offers an Apple Watch wrist widget for quick logging.

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

Penvo Pro offers two subscription plans: a monthly plan for $3.99 and a yearly plan for $29.99. Both plans provide access to premium features.

## Version history (last 5 releases)

### 4.1.5 — 2026-09-12

1. Fixed an issue with the display of "Pro" status duration on the settings page.
2. Added an expense reimbursement feature: swipe left on a record to mark it as reimbursed. Once marked, the record's actual amount becomes 0, but the reimbursement amount is displayed; the statistics page now tracks the total reimbursed amount for the current month. Reimbursement status can also be set for collapsed records.
3. Added custom category management to the settings page, allowing users to add, edit, and delete categories, as well as assign specific emojis to them.
4. Fixed display bugs occurring in Dark Mode.

### 4.1.2 — 2026-09-05

Bug fixes and stability improvements

### 4.0.1 — 2026-08-19

Added a card-style bill selection interface.

### 3.1.0 — 2026-07-29

Press and hold the + to speak
Hold the + button and just say it. The entry fills itself in without taking you away from the screen you were on.

Settle up a shared ledger
Penvo now works out who owes whom across the whole ledger and clears the balances in one step. No more adding it up by hand at the end of a trip.

Envelope budgets stay in their own lane
Every category is held to its own limit, so going over on one no longer quietly eats into another.

Write to us from inside the app
Send feedback from Settings, attach photos, and read the reply right here. Tap any image to open it full size.

The Face ID lock gives you a moment
Switching to another app briefly no longer means unlocking again the second you come back.

Also in this release
• A short walkthrough showing how to put the Penvo widget on your home screen
• After you create a recurring bill, Penvo offers to log the first entry there and then
• Receipt photos are scaled down before scanning — noticeably faster, just as accurate
• Fixed: entries other people had added to a shared ledger could be deleted
• Fixed: the home screen widget started out in English until you visited Settings

### 3.0.9 — 2026-07-11

Fixed an image recognition bug.

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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 2026-09-18.*