Onsi vs Penny Crunch

Onsi gives you access to a range of features designed to help you manage your money, protect yourself, and feel supported. What you have access to depends on the company you work with. The features you have access to may include: —Earnings and financial support— Need your money before payday? Onsi lets you access a portion of your earnings when you need them - no more waiting, no more stress. —Cover and peace of mind— Easily check your cover, submit claims, and track them directly through the app. Get financial support when you need it most. —Savings— Make your money go further with exclusive discounts on fuel, food, tech, and more. Onsi helps you save on everyday essentials from trusted high street brands. —Health & wellbeing support— Access a range of health and wellbeing services designed to support your life, both inside and outside of work. Onsi is a UK and EU insurance intermediary. Onsi is a trading name of Collective Society Ltd, Collective Denmark ApS (Onsi Denmark ApS) and Collective Netherlands B.V., who are authorised and regulated by the UK Financial Conduct Authority (No. 923788), the Danish Financial Services Authority (No. 42352985), and the Netherlands Authority for Financial Markets (No. 12049041), respectively. You can check this by visiting the UK Financial Services Register, the Danish Financial Services Register, and the Netherlands Financial Services Register. Copyright © 2025 Collective Society Ltd, All rights reserved. Registered address: 101 New Cavendish Street, 1st Floor South, London, United Kingdom, W1W 6XH

Penny Crunch is a straightforward expense tracker for people who want to know where their money goes — without handing their finances to anyone else. Everything you record stays on your device. There is no account to create, no sign-in, no cloud sync and no analytics. Your financial life is yours alone. TRACK IN SECONDS Add an expense or income in a few taps. Pick a category, set the amount, add a note if you want. That's it. BUILT-IN CATEGORIES Over thirty categories ready to go, covering groceries, rent, fuel, utilities, council tax, childcare, subscriptions and more. Add your own, hide the ones you don't use, and reorder them to match how you actually spend. BUDGETS THAT MAKE SENSE Set a monthly cap per category and see at a glance how much room is left. No lectures, no scores — just a clear picture of where you stand. REPORTS WORTH READING See spending by category, daily spending across the month, and a full category breakdown. Switch between week, month, or any custom date range. EXPORT WHENEVER YOU WANT Export your full transaction history as a spreadsheet (.xlsx) or generate a PDF statement. Your data is never locked in. CHOOSE YOUR CURRENCY Over 140 currencies supported, so the amounts read the way you expect. DARK MODE Comfortable in either light or dark. PRIVATE BY DESIGN No account. No tracking. No adverts. No data collection of any kind. Penny Crunch works entirely offline, and you can permanently delete everything from Settings at any time. Built in the UK by ZSynergy. Questions or suggestions: info@zsynergy.co.uk