Personal finance, for everyday life

Know where your money stands.

Bring your accounts, spending, bills, and savings into one clear view. Plan your next step with the records you add.

30-day free trial. Choose a plan when you’re ready.

• Made for pesos, ready for other currencies
• No bank connection needed
• Works offline

The details you need. Room to see what matters.

Start with everyday tracking. Add other currencies, a plan for yourself, or a clearer way to share costs with others when you need them.

Balances and insights come from the records you enter. Real payments and bank transfers happen outside Penn.

Start with what you have.

You can build your workspace a little at a time.

1. Add your starting balances

   Create a cash, bank, e-wallet, or credit card account in the currency it holds. Enter the balance you want Penn to track.

2. Record a little at a time

   Log income, spending, and transfers. Scan a receipt to draft an entry, or set a repeat schedule for regular payments.

3. Make room for what’s next

   Add your bills, goals, and payday. Review your spending and see what’s safe to spend before your next pay.

In your browser. On your home screen.

Use Penn on your phone, tablet, or desktop. Install it from your browser for quick access to your workspace.

Choose a billing period.

New accounts start with a 30-day free trial. Choose your plan in Settings & profile when you’re ready.

Plan payments are made outside Penn. Submit your payment reference and receipt in the app for review.

Before you get started.

Does Penn connect to my bank or move money?

No. You enter your accounts, balances, and transactions. Penn calculates tracked balances from those records. Bank transfers, payments to other people, and plan payments happen outside Penn.

Can I scan receipts instead of typing everything?

Yes. Take a receipt photo or choose an image when adding a transaction. Penn reads the available amount, date, and store details on your device. Review the suggestions, choose an account and category, then save. On supported devices, you can also share a receipt image straight to installed Penn.

Can I track money in other currencies?

Yes. Choose a currency when you add an account, such as pesos, riyals, dirhams, dollars, or euros. Penn keeps each currency’s total separate and doesn’t convert them automatically. For a transfer between currencies, enter the amount sent and the amount received after fees. Budgets, bills, goals, payments, groups, and Lent & borrowed use PHP.

What can I do without an internet connection?

After you’ve opened your workspace online, you can view saved records and add income, expenses, and transfers offline. New transactions wait on your device and sync when you reconnect. Receipts, contacts, payments, groups, Lent & borrowed, and shared goals need an internet connection.

How do Payments, Groups, and shared goals work?

Connect with a contact by Penn username, contact link, or QR code. Request or record a payment, create a group to split shared expenses and settle up, or save toward a shared goal. Both sides can review the records, and your balances and account details stay private. Penn tracks who owes what; you pay each other outside the app.

Can I track money I lent or borrowed?

Yes. In Lent & borrowed, record who it was with, the amount, and an optional due date, then log repayments as they happen. These records are private, and the other person doesn’t need Penn. For money you lent, you can turn on one email reminder that Penn sends near the due date. It includes your name and reply email, not the amount or your notes.

How does Penn keep my records private?

Turn on App Lock in Settings and add a passkey to unlock with Face ID, your fingerprint, or your device’s screen lock. Penn locks after 1 minute away or 5 minutes without activity. Passkeys work in supported browsers and the installed app.

Will Penn remind me when bills are due?

Yes. Turn on Push notifications in Settings and allow notifications when your browser asks. On iPhone or iPad, add Penn to your Home Screen first. Repeating transactions also appear on Overview when they’re due, so you can confirm, postpone, or skip them.

Can I install Penn on my phone?

Yes. Penn is a web app you can use in your browser or add to your home screen. On Android, use the browser’s install option. On iPhone, use Safari’s Add to Home Screen option. You can also use Penn on a tablet or desktop.

What happens after my trial or plan expires?

New accounts receive a 30-day free trial. If your access expires, you can still view and export your records. Adding or editing data requires renewed access. Choose a plan in Settings & profile and submit your payment details for review.

Can I keep a copy of my records?

Yes. Export transactions as a CSV or back up your personal records from Settings. Restoring a backup replaces those records, and your earned badges stay with your account. Restore is unavailable when payment records or group expenses must stay linked to other people.

A clearer picture starts with one account.

Add a starting balance. Record your first transaction. Make the workspace yours.

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