Fineyo vs Penni

A simple, private expense tracker. Log spending in seconds, set budgets that keep you on track, and see exactly where your money goes. No bank login needed. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. ADD EXPENSES IN SECONDS Type an amount, pick a category, done. Or say it: "Coffee 4.50 today" and Fineyo fills in the details. A ready-made Shortcut can log your Apple Pay purchases automatically. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show monthly trends and your biggest categories, so you can spot overspending before it adds up. BUDGETS THAT GUIDE YOU Set limits per category and get a gentle heads-up when you get close. No guilt, no pressure. Just enough to stay on track. ALL FEATURES - Expense and income tracking - Voice input - Category budgets with alerts - Spending charts and monthly insights - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency support - Custom categories with emoji - Apple Pay logging with Shortcuts - Search and filters - CSV export - iCloud sync across your devices - Works offline - Dark mode, themes and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets and accounts, iCloud sync, shared spaces, CSV export, Apple Pay logging, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy

Penni is a calmer way to manage your money. Track what you spend, set gentle budgets, and watch your savings grow — in an app that feels warm, unhurried, and beautifully simple. No spreadsheets, no clutter, and no account to create. Just open Penni and start. PRIVATE BY DESIGN • No sign-up, no login, no account. Ever. • Your data is stored on your device and synced privately through your own iCloud — it never touches our servers, because we don't have any. • Lock the app behind Face ID or Touch ID for an extra layer of privacy. SEE YOUR MONEY AT A GLANCE • A clean home dashboard with your total balance, income, and spending for the month. • Beautiful wallet cards for cash, bank accounts, cards, savings, and more. • A simple financial-health score that tells you how you're doing. TRACK EVERY TRANSACTION • Log expenses and income in seconds. • Organize with tidy, colorful categories and per-day grouping. • Search and filter by date range to find anything fast. BUDGETS THAT GUIDE YOU • Set gentle limits for the categories you care about. • Always know exactly where you stand — without the guilt. REACH YOUR GOALS • Save for an emergency fund, a new phone, or a dream trip. • Watch each goal fill up as you set money aside. INSIGHTS • Spending trends and category breakdowns that actually make sense. WORKS WHERE YOU DO • Home Screen and Lock Screen widgets keep your balance and budgets a glance away. • A Live Activity keeps an eye on your budget while you spend. ICLOUD SYNC & BACKUP • Turn on iCloud Sync and your wallets, transactions, budgets, and goals stay up to date across your iPhone and iPad automatically — and are safely backed up to your iCloud account. Penni is a personal bookkeeping tool to help you understand your own money. It does not connect to your bank, move money, or give financial advice. — PENNI PRO Penni is free to use. Penni Pro unlocks everything: unlimited wallets, unlimited budgets and goals, unlimited transactions, iCloud sync, dark mode, advanced insights, and custom categories. • Penni Pro Monthly — $3.99 / month • Penni Pro (3 Months) — $9.99 / 3 months • Penni Pro Yearly — $29.99 / year Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same price and duration unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple Account settings. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penni.cc/privacy