Wesettled vs Penni

We Settled: Split Bills & Expenses Stop the awkward money chats. Start enjoying the plan. We Settled makes it easy to track group expenses, split costs fairly, and settle up without the back-and-forth. Perfect for trips, roommates, couples, and everyday plans. Built for real life, not spreadsheets. Add expenses in seconds. See balances instantly. Settle without drama. Why You’ll Love We Settled Split Expenses Your Way – Equal splits, exact amounts, percentages, partial groups, or multiple payers. Works Completely Offline – Add expenses anywhere. Auto-syncs when you’re back online. Ghost Members – Add anyone by phone number. They join all splits and auto-connect when they download the app. Multi-Currency Support – Split across 8 currencies with live exchange rates. View everything in your preferred currency. Unlimited Groups – Trips, apartments, work teams, dinners. Each with its own icon. Recurring Bills – Rent, utilities, subscriptions. Set them up once. Smart Settlements – Minimises payment complexity. Settle via UPI, cash, or in parts. More Helpful Features • Attach receipt photos • Spending insights & statistics • CSV/PDF export • 15 expense categories • Smart notifications • Full edit history • Dark mode & personalization • Secure OTP login Perfect For: Trips | Roommates | Couples | Friends | Events Split bills. Stay friends. Get Settled.

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