Expense Tracker vs Milli

Most budgeting apps tell you where your money went. Pennyken tells you what you can still spend — before you buy, not after. Open the app and one number greets you: LEFT TO SPEND. Your monthly limit, minus what's already gone, counted down live as you log your day. No spreadsheets, no bank logins, no guilt trips. STOP OVERSPENDING • Set a monthly spending ceiling and watch it count down in a beautiful ring • A daily pace line ("≈ $31/day to stay on track") keeps you honest mid-month • Log a purchase in seconds — smart suggestions prefill the category and account CATCH THE LEAKS • Set a limit per category — Groceries, Dining, Transport, anything you like • Pennyken warns you BEFORE a category crosses its limit, not after • See exactly which category is eating your month, at a glance NEVER MISS A BILL • Track rent, subscriptions, and recurring bills in one place • Get reminded before each one hits, with the amount and due date • Recurring income counts too, so your real spending power is always accurate TURN WISHES INTO PLANS • Create savings goals with a real target and a real date • Pennyken does the math: "$250/month gets you there by December" • Gentle contribution reminders keep the streak alive — no willpower required UNDERSTAND YOUR MONTH • Spending by category, income vs. expenses, and budget trends over time • Compare this month to last and see what actually changed PRIVATE BY DESIGN • No account. No sign-up. No bank connection. • Everything you enter stays on your phone — we couldn't read it if we wanted to • Lock the app with Face ID • Export your data anytime as JSON. It's yours. Start free and log your first transactions on us. Pennyken Plus unlocks unlimited transaction logging with a subscription (monthly or annual), with a free trial to start. Cancel anytime in your App Store settings — payment is charged to your Apple ID account and renews automatically unless cancelled at least 24 hours before the end of the period. Privacy Policy: https://sites.google.com/view/pennyken-privacy-policy/home Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Your money, finally facing forward. Download Pennyken and know what's safe to spend — today.

A private money tracker that asks nothing of you. No account, no ads, no data collection — and one payment instead of a subscription. Log what you spend in a couple of taps, and see where the month is going. TRACK WHAT YOU SPEND • Log an expense or income in seconds from the amount pad • Smart Chat — log expenses by typing in plain language, and Milli learns your words to file them automatically. Add your own Taught words for instant sorting • A color-coded category wheel that fills in as you type • Custom categories and icon tags to slice spending your way • Proper transfers between accounts, counted once instead of twice • Recurring payments so rent, salary and subscriptions post themselves • Ask Siri to log an expense without opening the app SEE WHERE THE MONTH WENT • A dashboard with your balance, your spending and what is left • Budget Mode — set a monthly target overall or per category, and watch progress live • Spending rate tells you whether you are ahead or behind for the month • Category breakdowns, savings trends and net worth, without a spreadsheet • Multiple accounts and ledgers in different currencies, with your own exchange rates • Swipe between months, or pick any date range you like ON YOUR HOME SCREEN AND YOUR WRIST • Seventeen widgets: net worth, this month's spending, budget progress, spending rate, expense categories, account favorites and one-tap add buttons • Add an expense straight from a widget without opening the app • A full Apple Watch app for logging while you are out • Runs on iPad too — the same app on a bigger screen, no second purchase GROW A GARDEN WHILE YOU SAVE • Earn a coin for every transaction you log by hand • Spend coins on an aquarium and a garden — fifty species to collect • Streaks and a running count of the days you have logged • Budgeting that doesn't feel like homework YOUR DATA IS YOURS • There is no Milli account and no Milli server. We never see your numbers. • The "Data Not Collected" label on this page is not marketing — Milli collects nothing at all • Optional iCloud sync keeps your devices in step through your own private iCloud, which only you can read • Lock the app with Face ID or a passcode • No ads, no trackers, nothing sold to anyone SPEAKS YOUR LANGUAGE Milli is fully translated into 32 languages — Arabic, Bengali, Chinese (Simplified and Traditional), Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Turkish, Ukrainian, Urdu and Vietnamese — with currencies and date formats that follow your region, not ours. FREE, AND PREMIUM Milli is free to use with three accounts, twenty expense categories and five income categories. One purchase unlocks unlimited accounts, categories and color tags, iCloud backup and sync, CSV and backup export, every widget, and the Apple Watch app. Pay once, use forever. No auto-renewal, no monthly fee, no free trial that quietly becomes one. Questions or ideas? We read every message.