Pennylog vs Moni

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.

Moni is the ultimate multi-currency expense tracker built for people living across multiple countries. Log income and expenses effortlessly, with automatic real-time exchange rate conversion giving you a clear picture of your finances in one place. [ Key Features ] Multi-Currency Support - All major currencies: MXN, USD, KRW, EUR and more - Real-time exchange rate auto-conversion - Unified net worth calculated in your base currency Calendar & Daily View - See daily income/expenses at a glance on the calendar - Smooth monthly swipe gestures - Tap any date for detailed transaction history Smart Statistics - Spending breakdown by category with charts - Financial Health Score out of 100 - Month-end spending forecast & budget alerts Asset Management - Track cash, bank accounts, credit cards & investments - Net worth trend chart over time - Stock & ETF portfolio tracking Smart Notifications - Instant alert when you exceed budget - Automatic anomaly detection for unusual spending - Savings goal achievement reminders Apple Watch Integration - Log expenses right from your wrist - Check today's spending status at a glance Privacy First - iCloud sync across all your devices - Face ID / Touch ID app lock - All data stored on your device only Receipt Scan & PDF Reports - Auto-capture receipts with your camera - Export monthly spending reports as PDF - Import CSV/XLSX transaction files Designed for Expats & World Travelers Living across borders means dealing with multiple currencies every day. Moni removes the headache — no manual calculations, no confusion. Just a clear view of exactly where you stand financially, anywhere in the world.