Qoobo vs Penni

Track your expenses and earnings with complete privacy. No servers, no tracking, no compromises. PRIVACY FIRST Your financial data is yours alone. Qoobo stores everything locally on your device using Apple's SwiftData. We don't collect, see, or share any of your information. No backend servers. No analytics. No tracking. Just you and your data. BEAUTIFUL & INTUITIVE A gorgeous calendar interface makes tracking expenses feel effortless. View your daily spending at a glance, explore monthly trends with elegant charts, and understand your financial patterns with beautiful visualizations. POWERFUL INSIGHTS - Monthly breakdown charts showing expenses vs. earnings - Year-at-a-glance bar charts for trend analysis - Daily, weekly, and monthly summaries - Track both one-time and recurring transactions - Support for multiple currencies (EUR, USD, RSD) - Automatic daily currency rate updates SEAMLESS SYNC Your data syncs automatically across all your Apple devices using your personal iCloud account. Switch between iPhone, iPad, and Mac without missing a beat. Your data travels through Apple's encrypted infrastructure - we never see it. SMART MONEY TRACKING - Add expenses and earnings in seconds - Set up recurring transactions for subscriptions and regular income - View detailed daily breakdowns - Track spending patterns over time - Convert between currencies effortlessly - Dark mode optimized for comfortable viewing KEY FEATURES - Zero data collection - completely private - Local storage with SwiftData - Optional iCloud sync across devices - Beautiful calendar-based interface - Monthly expense and earning charts - Year overview with trend analysis - Multiple currency support (EUR, USD, RSD) - Automatic currency rate updates - Recurring transaction support - One-time and subscription tracking - Clean, minimal design - Dark mode throughout - No ads, ever - No subscriptions required YOUR DATA, YOUR CONTROL Unlike other expense trackers that send your financial data to remote servers, Qoobo keeps everything on your device. Delete entries anytime. Reset all data with a tap. Export when you want. You're in complete control. MULTI-CURRENCY SUPPORT Travel frequently or deal with multiple currencies? Easily switch between EUR, USD, and RSD with automatic currency conversions. Exchange rates update daily, ensuring accurate tracking across borders. DESIGNED FOR APPLE DEVICES Built exclusively for iOS using the latest Apple technologies: SwiftUI, SwiftData, and CloudKit. Fast, native, and optimized for the Apple ecosystem. Perfect for: - Personal finance tracking - Budget monitoring - Expense reporting - Freelancers tracking income and expenses - Anyone who values their privacy - People tired of subscription-based apps - Users who want local-first software Download Qoobo today and take control of your finances without sacrificing your privacy.

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