Simple Spendings vs Penko Expense Tracker

No subscriptions. No ads. No data tracking. Just a clean, powerful tool that helps you stay mindful of your spending. Simple Spendings is your financial single source of truth that puts you in control. By entering your expenses you stay aware of your habits - while smart suggestions make adding new items effortless and fast. Why Simple Spendings? - Manual input, mindful tracking - Stay aware of your spending, one entry at a time. - Smart suggestions - The app remembers your recent spendings to speed up new entries. - Multi-currency support - Track expenses in any currency, ideal for travelers and global users. - Category insights - Instantly see totals, averages, and trends across all your categories. - Future estimates - Get projections of upcoming expenses based on your past patterns. - Private cloud sync - Your data is stored securely and synced across your devices. No one else can access it, just you! - Import & export (JSON) - Easily back up or move your data between devices. - Cross-device simplicity - Works seamlessly on iPhone, iPad, and Mac. - Light and Dark modes - follows system's colour theme. - Completely free - No paywalls, no ads, and no tracking. Just simplicity and privacy. Stay aware, not overwhelmed Simple Spendings is designed to make budgeting clear and effortless. It's not about automation - it's about awareness. You enter each spending mindfully, and the app does the rest: organizing, calculating, and showing where your money truly goes. Spend less time managing. Spend more time understanding. Simple Spendings - completely free, beautifully simple.

Take Control of Your Finances - Simple, Private, Ad-Free Penko is a powerful yet simple expense tracking app designed with your privacy in mind. No ads, no tracking, no cloud storage - just pure functionality to help you manage your money better. KEY FEATURES Smart Analysis - Visual charts and graphs to understand your spending patterns - Monthly and daily progress rings - Category-based spending breakdown - Compare current spending with previous months - Overview of this month against your income, what is left, and a 12-month forecast Flexible Expense Tracking - Quick expense entry with custom categories - 40+ currencies with exchange rates - Recurring expenses (daily, weekly, monthly, weekdays) - type how many times it repeats and the end date is worked out for you - One-time and recurring expense tracking - Detailed expense history with search and filtering - Optional daily reminder, only on days you have not logged anything Calendar View - Interactive monthly calendar - Daily expense visualization - Week-by-week spending history - Easy date navigation Categories and Organization - Create custom categories and subcategories - Visual category distribution charts - Detailed category analysis - Smart categorization with color coding Financial Planning - Set daily and monthly spending limits - Create financial goals and plans - Track progress towards your goals - Budget management tools - Project future savings with interest calculations Privacy First - All data stored locally on your device - No data collection or tracking - No account required - Backup & restore to a single file you control - no server involved - No advertisements Customization - Dark and light themes - Available in 10 languages - Customizable categories with colors - Flexible date ranges for analysis - Personalized budget limits Insights and Analytics - Monthly spending trends - Category comparison - Daily vs monthly averages - Visual progress indicators - Detailed expense reports WHY CHOOSE PENKO? - 100% Free: All features unlocked, no premium version - No Ads: Clean, distraction-free interface - Privacy Focused: Your data never leaves your device - No Internet Required: Works completely offline - Modern Design: Beautiful iOS-native interface PERFECT FOR: - Students managing budgets - Families tracking household expenses - Anyone wanting financial clarity - Privacy-conscious users - People who prefer offline apps SUPPORT THE DEVELOPER This app is completely free with no ads. If you find it useful, you can support development through optional in-app donations (buy me a coffee or tea). YOUR PRIVACY MATTERS Unlike other expense trackers, we don't collect any data. No analytics, no tracking, no cloud sync. Your financial information is yours alone, stored only on your device. FEEDBACK AND SUPPORT We're committed to making this the best expense tracker for you. Have suggestions or found a bug? Contact us - we listen to our users! Download now and start taking control of your finances today!