Duwa vs Penni

Splitting 50/50 isn't equal. It just looks equal. When one of you earns more, down the middle quietly puts the heavier load on the smaller income. Duwa lets the two of you decide what fair actually means, one expense at a time. Duwa is made for exactly two people: you and the one you're building a life with. Two phones, one shared balance, kept in sync in real time. CHOOSE WHAT'S FAIR Couples rarely split everything down the middle, so Duwa gives you four ways to share a cost: - Equally, straight down the middle. - By income, so the one who earns 60% covers 60%. - Custom, whatever the two of you agree on. - A treat, when you've got this one and nothing is owed back. Tell Duwa what you each earn once and the by-income split keeps things fair on its own. Set a default for the household, or choose per expense. ONE BALANCE, READ AT A GLANCE Home opens on a single dial: who owes whom, and how much. Swipe it for the month climbing, for where the money actually went, and for how the budget stands. No columns of debits and credits to decode. TWO PHONES, ONE TRUTH Invite your partner with a code and you share one ledger. Add an expense on your phone and it lands on theirs, with the balance moving for both of you. No group chats, no screenshots, no "wait, did you add that?" SETTLING, PROPERLY MARKED Settle any amount on Duwa's own keypad, with half and full one tap away. Commit with a hold rather than a tap, so nothing is ever recorded by accident, and keep the certificate for the month you just closed. BUDGETS THAT KEEP PACE Give any category a monthly budget, then watch days left, pace, and what remains, on its own tab and on Home. TRACK IT YOUR WAY - Log an expense in seconds, with a note, category, date and who paid. - Set up recurring bills once and let them repeat. - Snap a receipt and keep it with the expense. - Make categories yours: name them, colour them, give them an emoji from a palette of 28, and choose how they are worn on your own phone. - Search your whole history, and read every add, edit, delete and settle in one shared activity log. REMINDERS AND NUDGES Duwa can remind you to log or to settle, at times you pick. And when the balance has been sitting a while, a wave sends your partner a gentle nudge. BRING YOUR HISTORY Import from Splitwise in a couple of taps, keeping or merging categories as you go, so you are never starting from scratch. EVERY CURRENCY, COUNTED RIGHT 150+ world currencies, including the ones that do not use decimal places. The money math is precise to the cent, so nothing rounds away behind your back. MADE TO FEEL GOOD A calm, considered iOS app: warm light and dark themes, Dynamic Type and accessibility throughout, and small moments that make the ordinary bits pleasant. SIMPLE TO START No email sign-ups and no passwords, just Sign in with Apple. Name the two of you, pick your currency, and you are tracking in under a minute. PRIVATE BY DESIGN Your data belongs to the two of you. It lives on your phones and syncs through a private backend where every household is sealed to its own couple, enforced by the database itself and not by a promise. No ads, no tracking, no analytics, and nothing sold, ever. Erase everything, or delete your account entirely, from inside the app. DUWA PRO One subscription covers both of you: whoever subscribes, Duwa Pro unlocks on both phones. Choose weekly, monthly, yearly with a 7-day free trial, or a one-time Lifetime purchase. Subscriptions renew automatically unless turned off at least 24 hours before the period ends, and you can manage or cancel any time in your App Store account settings. Privacy Policy: https://duwa.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Penni is a calmer way to manage your money. Track what you spend, set gentle budgets, and watch your savings grow — in an app that feels warm, unhurried, and beautifully simple. No spreadsheets, no clutter, and no account to create. Just open Penni and start. PRIVATE BY DESIGN • No sign-up, no login, no account. Ever. • Your data is stored on your device and synced privately through your own iCloud — it never touches our servers, because we don't have any. • Lock the app behind Face ID or Touch ID for an extra layer of privacy. SEE YOUR MONEY AT A GLANCE • A clean home dashboard with your total balance, income, and spending for the month. • Beautiful wallet cards for cash, bank accounts, cards, savings, and more. • A simple financial-health score that tells you how you're doing. TRACK EVERY TRANSACTION • Log expenses and income in seconds. • Organize with tidy, colorful categories and per-day grouping. • Search and filter by date range to find anything fast. BUDGETS THAT GUIDE YOU • Set gentle limits for the categories you care about. • Always know exactly where you stand — without the guilt. REACH YOUR GOALS • Save for an emergency fund, a new phone, or a dream trip. • Watch each goal fill up as you set money aside. INSIGHTS • Spending trends and category breakdowns that actually make sense. WORKS WHERE YOU DO • Home Screen and Lock Screen widgets keep your balance and budgets a glance away. • A Live Activity keeps an eye on your budget while you spend. ICLOUD SYNC & BACKUP • Turn on iCloud Sync and your wallets, transactions, budgets, and goals stay up to date across your iPhone and iPad automatically — and are safely backed up to your iCloud account. Penni is a personal bookkeeping tool to help you understand your own money. It does not connect to your bank, move money, or give financial advice. — PENNI PRO Penni is free to use. Penni Pro unlocks everything: unlimited wallets, unlimited budgets and goals, unlimited transactions, iCloud sync, dark mode, advanced insights, and custom categories. • Penni Pro Monthly — $3.99 / month • Penni Pro (3 Months) — $9.99 / 3 months • Penni Pro Yearly — $29.99 / year Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same price and duration unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple Account settings. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penni.cc/privacy