Pennio vs BillSmooth

Take control of your money with Pennio — a simple weekly budget app that actually works. Set envelope budgets for each category and let unspent money roll over automatically. Track every income and expense across multiple wallets in 41 currencies with live exchange rates. Monitor your net worth, savings goals, and debt payoff all in one place. Home and lock screen widgets keep your spending visible. Built-in calculator, charts, and calendar view show where your money goes. Works offline. Syncs across devices. No bank linking. Your data stays yours. Pennio Pro is an optional auto-renewable subscription. You can use the app without subscribing. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

BillSmooth helps you plan for upcoming bills by setting aside small amounts regularly, so the money is already there when the bill arrives. No more scrambling, no more surprises. **How it works** Divide your money into virtual buckets — one for rent, one for insurance, one for the holiday fund, whatever you need. Set up recurring transfers that top each bucket up at whatever rhythm suits you: weekly, fortnightly, monthly. When a bill comes in, you already have the money set aside. **Built for your real life** - Handles fortnightly pay cycles, not just monthly. - Tracking accounts roll up child balances into a single total. - Projections show fortnightly, monthly and annual impact at a glance. - Works with whichever currency you use — AUD, USD, GBP, EUR, and more. **Your data stays with you** BillSmooth is fully local. Every account, balance and transaction lives on your device — we don't run servers and there's nothing to sign up for. Your data is automatically included in your iPhone's iCloud Backup, and you can export or import a JSON copy from Settings at any time. **Free, no sign-up, no tracking** No ads. No account required. No analytics pinging home. Just a tool to help you get ahead of your bills.