Spender vs Penni Private

Spender — personal finance tracker built for clarity, not complexity. Track spending Log income and expenses in seconds. Assign categories, add notes, and keep a full transaction history. Multiple balances Separate balances for cash, cards, and currencies — with automatic conversion and a net worth total. Subscription tracking Add recurring charges and Spender handles the rest: automatic deductions on billing day, a 24-hour reminder before each charge, and a monthly cost summary. Spending insights Category breakdowns and charts by week, month, or custom range — so you always know where your money goes. Goals Set savings targets and track your progress over time. Group expenses Split costs with friends or family and track who owes what. Shared budget Create a shared budget with others and stay aligned on spending together. Export reports Export your transaction history as a PDF report. iCloud sync Your data stays in sync across all your devices. Sign in with Apple for private, passwordless authentication. Home screen widget Your balance, always one glance away. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://victorious-lemming-3f8.notion.site/Privacy-Policy-for-Spender-8129f21477ca429c9bbe868dd1d37571

Penni is a private expense tracker that lives only on your iPhone. No cloud sync. No user accounts. No analytics. No tracking. Your money — your device. PRIVATE BY DESIGN Penni makes zero outbound network requests. Don't take our word for it: open iOS Settings → Privacy & Security → App Privacy Report after using Penni. You'll see nothing — because there's nothing to send. THREE CURRENCIES Track expenses in USD, UAH and EUR — each currency separately. No exchange rates. No conversions. No surprises. MONTHLY BUDGETS Set a per-currency limit. Watch progress fill up in real time. Adjust as you learn your habits. QUICK ACTIONS Long-press the app icon to log an expense in one tap — straight from your Home Screen. Your most-used templates are always one gesture away. VISUAL INSIGHTS Donut charts by category. Daily and monthly bar charts. Spot patterns in seconds, not hours. DARK MODE Adapts to your system theme automatically. Designed to feel right at any hour. CSV EXPORT Your data is yours. Export to CSV anytime — take it wherever you want. CATEGORIES & TEMPLATES Use 7 default categories or create your own with custom icons and colors. Save frequent expenses as templates. ENGLISH & UKRAINIAN Full localization for Ukraine. Built by a developer in Kyiv. WHAT WE DON'T DO - No accounts - No servers - No cloud sync - No analytics - No ads - No tracking Free. Forever. Privacy is the foundation, not a feature. Questions? Reach out at vyahello@gmail.com