Kaldo vs Pennylog

Kaldo is a simple, beautiful way to track your money. Keep every wallet in one place, log income and expenses in seconds, and see exactly where your money goes. ALL YOUR MONEY, IN ONE PLACE • Create wallets for your bank accounts, cash, savings and more • Each wallet has its own currency: EUR, USD, CHF or GBP • See your total balance per currency and how much it changed this month EVERY ENTRY, DAY BY DAY • Log income, expenses, transfers between wallets and balance adjustments • Entries are grouped by day, with daily totals • Search and filter to find any transaction fast • Switch to the calendar view to see your month at a glance ADD AN ENTRY IN SECONDS • Type a label and Kaldo suggests the category for you • Your recent categories are one tap away • Create custom categories with your own colours SEE WHERE IT GOES • Income vs expenses for the last 7 days, 30 days, 90 days, a year, all time or any custom range • Compare each period with the one before it • Break down your spending and income by category SHARE A WALLET, STAY IN SYNC • Invite family, a partner or friends to any wallet • Give them view-only access or let them add entries • Changes show up live for everyone ON YOUR IPHONE AND THE WEB • Use Kaldo on your iPhone or at kaldo.money in any browser • Your data syncs in real time across devices • Import and export your entries as CSV on the web EASY ON THE EYES • A clean, modern design with a dark mode that follows your device PRIVATE AND SECURE • Your data is encrypted in transit and at rest • We never sell or share your information Kaldo is free for personal use. Take control of your money today.

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.