Guides
Penno is intentionally minimal in the app, so most of the workflow knowledge lives here. The guides below walk through specific use cases — from cash-only budgeting to tracking what your siblings owe you — with screenshots and copy-pasteable patterns.
No bank connection, no login, no subscription — just a private, one-time-purchase budget app. How to pick one, and where Penno, Goodbudget, and Actual Budget fit.
Manual-entry workflow that doesn't require any bank credentials. The default for Penno users; works in any app that allows manual entry.
Penno's debt tracker shines here. Per-payment notes ("Venmo", "cash"), partial repayments, stale-debt reminders.
Credit cards, student loans, family loans — chip-away tracking with per-payment timeline.
For users who pull cash weekly and want to track it without bank involvement.
Penno's recurring feature with auto-charge + day-before notifications.
See also: Comparisons · Blog