PExP vs PennyWise AI Expense Tracker

PExP is your professional finance ledger — built for people who want full control of their money without giving their data away. No ads. No data selling. No subscriptions required to get started. TRACK EVERYTHING Record expenses, income, and transfers across multiple accounts. Every entry is yours — exportable, searchable, and always private. BUDGET WITH PURPOSE Set monthly budgets per category. See your health score, spending pace, and month-end projections in real time. Plan every dirham before it moves. AI-POWERED INSIGHTS Ask your ledger anything. PExP's built-in AI analyses your spending patterns and gives you honest, personalised financial feedback. DEBT TRACKER Track who owes you and what you owe. Set due dates, log repayments, and watch balances resolve over time. BANK STATEMENT IMPORT Upload a PDF bank statement and let AI extract and categorise every transaction for your review. Fast, accurate, and private. SHARED FAMILY LEDGER Invite family members to a shared ledger. See the full picture together without losing individual privacy. EXPORT ANYTIME Download your data as PDF or CSV. Your ledger belongs to you — always. BUILT ON STEWARDSHIP PExP is built by Cotek App, a UAE-registered technology company. We believe money is a tool, not an identity. Manage it wisely. 1% of revenue goes to environmental causes via Stripe Climate.

PennyWise is a private expense tracker and budget app that keeps your money — and your data — entirely on your device. No accounts. No cloud. No tracking. No ads. Add expenses in seconds, import your bank statements, and watch a clean, categorized timeline of where your money goes — with budgets, trends, and insights that never leave your iPhone. Why PennyWise • 100% on-device & private — your data never leaves your phone • No sign-up, no accounts — open the app and start • Import statements — bring in Google Pay & PhonePe PDF statements • Smart analytics — spending trends, category breakdowns, top merchants • Budgets — set limits per category, with custom monthly cycles • Subscription tracking — keep an eye on recurring payments • Smart rules — auto-categorize your transactions • Multi-currency support • Beautiful dark mode • Open source (AGPL-3.0) Expense tracking, your way Add income and expenses fast, or import a statement to backfill your history. Every transaction lands in a searchable, categorized timeline — a spending tracker that's always up to date. Budgets that fit real life Set category budgets and track progress at a glance. Custom cycle start days mean your "month" can begin on payday, not the 1st. Private by design All processing happens on your device — no servers, no API calls, nothing leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does. Free & open source PennyWise is completely free, with no ads and no in-app purchases. The full source is open (AGPL-3.0). Download PennyWise for private, effortless expense tracking and budgeting.