Pennylog vs Sseumsae

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.

Where did your money go this month? Sseumsae helps you record expenses, check your budget, and reflect on your spending. Record an expense when it comes to mind. See your spending on a calendar and compare categories in monthly statistics. Add a monthly budget to keep track of what is left. Keep separate ledgers for everyday spending or travel. Each ledger has its own expenses, budgets, and currency: KRW, USD, JPY, or EUR. Amounts are not converted between currencies. Add a Home Screen widget to check monthly spending and your remaining budget, or open expense entry with a tap. You can hide widget amounts when you prefer to keep them private. Spending reflections help you look back on your choices. Eligible manually entered expenses prompt a reflection three days later. For KRW, the minimum is ₩10,000. Other supported currencies have no minimum. Fixed and recurring expenses, and expenses imported from CSV, are excluded. Use Sseumsae in Korean or English. The initial language is Korean when your primary system language is Korean and English otherwise. Your selection in Settings takes priority. On iOS 27 or later, you can record supported KRW payment notifications from Hyundai Card, Shinhan SOL Pay and KB Pay. Follow the in-app guide to add each provider's ready-made shortcut and enable its automation in Shortcuts. Connect multiple providers and choose a separate KRW destination ledger for each. View each provider's connection status and recent automatically saved expenses in the current ledger. The payment amount and date are saved to the Other category, along with merchant information when available. Cumulative totals and balances are not treated as expense amounts. Identical notifications are not saved twice. Notifications are processed on your device without connecting to bank or card accounts. Not all card products or notification formats are supported. Please enter unrecognized expenses manually. Installments, foreign-currency payments and cancellation or refund reconciliation are not supported. No sign-up is required. Expense records are stored on your device. Sseumsae does not connect to bank or card accounts or directly read other apps’ notifications. It does not provide cloud synchronization. Import or export expense records as CSV files. CSV is not a full backup of reflection responses and settings. Keep a separate copy of important records before deleting the app. Receipt recognition is not included in this version. Support: sseumsae.support@gmail.com