A privacy-first budget tracker for iOS. No bank login, no subscription, no account — pay once and your data stays on your device.
Penno never asks for your bank credentials. Zero network calls about your money — open the app on a plane and it works.
Install, open, start budgeting. There’s no “create account” screen. There’s no account.
Pay once, own it. No monthly fee, no annual renewal, no “upgrade to Pro” nag. The whole app, in the version you bought.
Your data is a single SQLite file on your phone. We don’t have it. We can’t lose it. We can’t leak it.
Paid $20 in cash, $30 on Venmo? Note it. Each debt payment carries its own note — so six months later you actually remember.
Chip away at a debt $20 at a time. Each payment is its own row with its own date — see the timeline grow as the balance drops.
Forgot about money someone owes you? Penno hasn’t. Get a quiet nudge for debts that haven’t moved — before they get awkward.
Set it once. The recurring charge logs itself on bill day every month — with a reminder the day before.
“Finally, an app that doesn't ask for my bank login. I deleted three apps last year for that exact reason.”
“I'm tired of every budgeting app turning into a subscription. Paid once, no nags ever since.”
“The reminder for old IOUs is brilliant. I'd literally forgotten my brother owed me $200.”
Penno never makes a network call about your finances. Your transactions, debts, and recurring charges live in budget-planner.db on your device. Export is your choice: share a CSV or XLSX with yourself — or restore from one. That’s the only time data leaves the app.
Something off? Send us an email — a real human reads every message, usually within a day.