Penko Expense Tracker vs UangRumah

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!

UangRumah: Track Your Household Expenses the Private Way. Take control of your finances without sacrificing your privacy. UangRumah ("House Money") is a beautifully designed expense tracker built for individuals, couples, and families who believe their financial data should stay theirs. Privacy First, Always Your financial data never leaves your device unless you choose otherwise. Zero third-party analytics. Zero tracking. Zero ads. Built entirely with Apple's native frameworks, UangRumah stores everything locally on your iPhone, giving you complete ownership of your data. Blazing Fast Performance Experience an interface that responds instantly to every tap. Built with SwiftUI and optimized for iOS, UangRumah delivers buttery-smooth animations and real-time updates. Works flawlessly offline with no loading spinners and no waiting for servers. Seamless iCloud Sync Optionally sync across all your Apple devices through your private iCloud account. Your data travels securely through Apple's infrastructure, never through third-party servers. Enable it when you want, disable it anytime. Multi-Book Ledger System Create separate expense books for different purposes: personal spending, household expenses, business costs, and side projects. Each book has its own budget, categories, and payment methods, completely isolated from others. Smart Budget Tracking Set monthly and weekly budgets with intelligent daily allowance calculations. Receive notifications at customizable thresholds (50%, 75%, 90%, 100%) before you overspend. Visual Insights See where your money goes with interactive pie charts and category breakdowns. The dashboard gives you an instant snapshot of your spending patterns. Flexible Organization 15 beautiful default categories with custom icons and colors. Track payments by source: Bank, Credit Card, Cash, E-Wallet. Auto-complete vendors based on your history. Set up recurring expenses for subscriptions. Complete Audit Trail Every edit is tracked. View the full history of changes to any expense, perfect for shared household finances and accountability. Professional Exports Generate PDF reports for record-keeping or export to CSV for spreadsheets. Full backup and restore capability ensures your data is always portable. Privacy Mode Checking your budget in public? One tap blurs all amounts on screen. Your finances stay private even when others can see your screen. Made for Global Users 3 languages: English, Indonesian, and Malay. Over 150 currencies from IDR to USD, EUR, PHP, and more. Why UangRumah? Unlike subscription-based apps that lock your data in the cloud, UangRumah puts you in control. No monthly fees. No feature gates. No compromises on privacy. Perfect for couples managing household finances, budget-conscious individuals, freelancers tracking business expenses, and anyone who values data privacy. Download UangRumah and experience expense tracking that respects your privacy.