Pennra vs Halvy

Know exactly what you can safely spend after bills and savings. Pennra gives you a private, forward-looking budget without asking for your bank login. Pennra is a subscription app. A Pennra Premium membership, which starts with a 14-day free trial, is required to use the app and unlocks everything below. WHAT PENNRA PREMIUM INCLUDES Budget without the busywork Set budgets by category and see your spending update in real time. Pennra automatically recognizes your transactions and even shows merchant logos, so your activity is easy to read at a glance. See your whole financial picture Track every account, including checking, savings, credit, cash, and investments, and watch your net worth grow over time with clean charts and trends. Plan ahead with confidence Schedule recurring bills, income, and transfers. Use the paycheck planner to know exactly what's covered before your next payday. Reach your goals Set savings goals with target dates and monthly contributions, and watch your progress build. Track your investments Add holdings to follow your portfolio's value with live market prices, right alongside the rest of your money. Share with your household Sync across your devices and share with up to 4 people, so everyone stays on the same page. Private by design No ads. No selling your data. No tracking you across other apps. Your information is yours. SUBSCRIPTION DETAILS Pennra Premium is an auto-renewing subscription: - Monthly: $4.99 per month - Yearly: $39.99 per year Each plan starts with a 14-day free trial. Your subscription begins after the trial and automatically renews unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pennra.com/privacy/

Split expenses with your partner, with roommates, or on a group trip, and always know who owes who. No ads, no daily limits, no bank login required. COMING FROM SPLITWISE? Import your existing history in one tap and pick up where you left off. Add an expense in seconds, choose how to split it, and your balance updates instantly. When it's time to settle up, Halvy shows exactly who pays whom. Pay through your favorite app and mark it settled. WHAT'S FREE, ALWAYS • Unlimited expenses, no daily cap • Every split method, including split-by-income • No ads, ever • Import your Splitwise history • Works offline; no bank connection asked for SPLIT FAIRLY, NOT JUST 50/50 • Split by income: shares that match what each of you earns • When an income changes, future splits update automatically • Only your split % is ever shown. Your income amount stays private • Or split equally, by percentage, shares, or exact amounts • Fairness is never paywalled: every split method is free ALWAYS KNOW THE BALANCE • Home screen and lock screen widgets: your balance at a glance • Get notified when your partner adds an expense or settles up • Groups for couples, roommates, or trips • A clean activity feed of everything you've shared SETTLE UP, YOUR WAY • Pay via Venmo, PayPal, Cash App, UPI, Pix, PayNow, and more • Save your payment method once, and your partner sees how to pay you • Or keep it simple and just mark it settled YOUR MONTHLY MONEY DATE • A recap on the 1st: what you spent together and who owes who • Settle up right from the recap, share it with your partner • Pro adds the deep-dive: category breakdown, who paid what, trends TRIPS GET THEIR OWN LEDGER • Give a trip its own balance, separate from everyday life • Set the dates and Halvy counts it down, then counts the days you are on it • See the whole trip total, and who owes who at the end • Its own currency, converted automatically • Nothing about a trip clutters your normal month SCAN RECEIPTS (Pro) • Snap a receipt and the items are extracted automatically • Assign each line to me, them, or shared; tax and tip prorated • Add a whole stack of receipts in one go STAY ON TRACK (Pro) • Monthly budgets per category with live progress • Recurring expenses (rent, subscriptions) posted automatically • Multiple currencies, converted automatically • Custom categories, trip plans and trip budgets • Export to CSV or PDF NOW FOR BUSINESS (Pro) • Create a Business group and run work expenses on the same offline-first engine • Capture sales tax with your own rate & label (Tax, GST/HST, VAT) • Tag expenses by client and see per-client totals • Log mileage: enter the distance and Halvy computes the amount • Track vendors, auto-filled when you scan a receipt • Accountant-ready CSV & PDF exports for any month, quarter, or year PRIVATE BY DESIGN • Works offline and syncs across your devices • Your data stays yours Halvy Pro unlocks the insights deep-dive, budgets, recurring expenses, receipt scanning, multi-currency, trip plans, exports, and business mode via subscription. Core expense splitting is always free. Halvy Pro is an auto-renewable subscription. • Plans: Monthly and Annual (auto-renewing), plus a one-time Lifetime option. • Payment is charged to your Apple ID at purchase confirmation. • Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Halvy Privacy Policy: https://usehalvy.com/privacy