Peniremit vs ChaChing

Peniremit is a crypto-powered payment platform built for one thing: make it easy to send money, pay bills, and move funds — instantly via crypto.

Know what you can still spend today, with no spreadsheets and no surprises at the end of the month. ChaChing shows one simple number: how much is free to spend this month and what that means per day. Your fixed bills, installments and planned savings are already taken out. Tap "How we got here" to see the full math. LOG IN SECONDS • Record an expense in 2 taps: amount and category • Category suggestions based on the day and time • Installment purchases and entries that repeat every month • Scan bank slips and Pix codes to fill everything in for you A BUDGET THAT FITS YOUR MONTH • Monthly plan: income, fixed bills, installments, savings and what's left for everyday spending • Category limits that warn you when spending gets ahead of pace • Year view to see the months ahead FIXED BILLS AND INSTALLMENTS • Calendar with everything due this month • Reminders before each due date • Mark as paid with one tap SAVINGS GOALS • Create goals like a trip, an emergency fund or a new laptop • Track progress and the date you'll get there • Scheduled monthly deposits AI RECAP • Your month explained in plain words: what went up, what went down and why • ChaChing does the math; AI only explains it • Import your credit card statement and review entries before saving COUPLES • Share "free to spend" with your partner and decide together what to split MADE FOR EVERY DAY • Activity with search and filters • Hide amounts with one tap when you're in public • Dark mode • Meet Capi, the capybara who keeps you company all month PRIVACY ChaChing doesn't move money and doesn't ask for access to your bank. It only records what you tell it. Your data is yours. Some features are part of ChaChing Pro.