UntilPayday vs Pennylog

Your budget is under control! UntilPayday helps you: - stretch your money until payday - track your expenses Set a limit for any period and see how much you can spend per day.
Spent more or less? Your daily limit adjusts automatically.

The more you log, the more your money makes sense. Pennylog is a daily expense tracker for people whose lives span more than one currency. Log what you spend in a few seconds, in any currency, and watch it build — over weeks and months — into a clear picture of where your money actually goes. No bank logins, no ads, no sign-up. Just you and your records. ■ ANY CURRENCY, LOCKED IN Dollars, euros, yen, won — log spending in any currency. Each entry is saved at that day's exchange rate, so your past totals stay accurate even when rates move later. Add a secondary currency to see every amount in your home currency at a glance. ■ TRIPS & PROJECTS, EACH IN ITS OWN CURRENCY Group a vacation, a move, or any big plan into its own project with its own budget — and give each one its own currency. A Tokyo trip in yen, a Paris trip in euros, each locked at the day's rate. Project spending stays separate from your everyday totals, so a trip to Tokyo never makes your normal month look off. ■ BUDGETS THAT FIT YOU Set one overall monthly budget, per-category limits, or both. As you log, see exactly how much is left — calm, simple progress, never a scolding. ■ STATISTICS THAT GET RICHER A category donut, monthly trends, and a per-category detail you can scroll back through month by month. View your days as a list or on a calendar. Long-press a category to mute it for a moment and see the rest. The longer you keep it, the more it shows. ■ WEEKLY & MONTHLY RECAP See this week against last: your biggest expense, daily average, no-spend days, and which categories went up or down. Gentle awareness, not guilt. ■ GENTLE REMINDERS Optional notifications nudge you to jot down today's spending and keep the habit going — never noisy, never negative. ■ STAYS ON YOUR PHONE No accounts. No sign-up. No bank logins. No cloud. Your financial data never leaves your device — and there's no server for it to leave to. Back up or export your data anytime, on your terms. ■ FOUR LANGUAGES English, Korean, Spanish, and French — across the whole app. ■ MORE • Cash counts too — the spending bank-sync apps quietly miss. • Custom categories and accounts (cards, bank, cash). • Completely free — no ads, no in-app purchases, no premium tier. ■ MADE FOR Expats, students, remote workers, travelers — anyone living or moving between currencies who wants one simple, private place to record daily spending. A line a day is all it takes. The longer you keep it, the better it gets.