Nuvio vs Penko Expense Tracker

Know where your money goes, one entry at a time. Nuvio helps you track income, expenses, budgets and loans on iPhone and iPad. No app account or bank connection is required. You enter your own financial records, and those entries stay on your device unless you choose to export or share them. FREE EVERYDAY TOOLS • Log income and expenses with categories and notes. • Set weekly, monthly or yearly budgets and review spending. • Track loans and repayments. • Explore charts to review your records. • Use core manual tracking features offline. OPTIONAL NUVIO PRO • Export your records as CSV. • Scan receipts on your device, then review the details before saving. • Use Nuvio without ads. Choose a weekly, monthly or yearly auto-renewing subscription. All plans include the same Pro features. The monthly plan offers a three-day free introductory trial for eligible customers. Prices and eligibility are shown in the app before purchase. Manual tracking and budgeting remain free; the free version is supported by ads. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the current period ends. Manage or cancel your subscription in your Apple Account settings. Your financial entries are stored locally. Google AdMob provides ads in the free version, and RevenueCat helps manage subscriptions; these services process data described in our privacy policy. Available in English, German, Spanish, Japanese, Korean, Simplified Chinese and Traditional Chinese. Privacy: https://nuviomm.com/privacy.html Terms of Use: https://nuviomm.com/terms.html Support: https://nuviomm.com/contact.html

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!