Know How Much You Can Still Spend Today — in Five Seconds

Most budget apps want your bank password and give you a dashboard you never open. PennyLog asks for an amount and a tap, then answers the question you actually have every morning: how much is safe to spend today?

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The problem

Tracking money fails for boring reasons. Linking a bank feels risky, so you don't. Typing every coffee into a long form takes longer than buying it, so you stop by Thursday. And a pile of charts at the end of the month tells you what went wrong only after it is too late to fix. What people want is simpler and more urgent: a number in the morning that says how much is left for today, and a way to log a purchase before they have put their wallet away.

How PennyLog (Expense Tracker) works

• Set one number: how much you want to spend each month.
• Every morning PennyLog divides what is left by the days left — that is your safe-to-spend figure for today.
• Log a purchase in five seconds: type the amount, tap a category, done.
• Tap “I spent nothing today” on the days you manage it and watch the no-spend streak grow.
• Share your week as a story card, or keep it to yourself — nothing is uploaded either way.

What you get

• Safe to spend todayOne figure, recalculated every day from your own monthly limit. Overspend today and tomorrow's figure quietly adjusts — no red alarms, no guilt.
• Irregular income modeIf your income changes every month, switch to Irregular: PennyLog averages your last three months into a “virtual pay”, keeps a share for savings, and tracks a buffer that shows whether this is a good, lean or short month.
• No-spend streak and a weekly cardA streak for days you spent nothing, milestones to aim for, and a weekly card you can post or send — the small wins that make you open the app again.
• Budgets and the 50/30/20 check (Pro)Put a limit on each category, and see how the month splits into needs, wants and what is left to save — a rule of thumb, shown plainly.
• Recurring bills and bank CSV import (Pro)Add rent or salary once and PennyLog logs it on the day. Or import the CSV file your bank gives you; it is read on your device and duplicates are skipped.
• Wallets, receipt photos and a price book (Pro)Keep cash, card and e-wallet apart with their own balances, attach a photo of the receipt, and note what eggs, rice or fuel cost you to see your own inflation over time.
• A passcode that really encrypts (Pro)Turn on a passcode and the whole book is encrypted with AES-256 on your device. Without it, nobody can read it — not even us.

Private by design

PennyLog never asks for a bank login, because it never talks to a bank. There is no account, no email, no server and no analytics. Everything you type lives in your browser on your device; even the bank CSV import and the receipt photos are processed locally and never leave it. That means no company can see what you earn or spend, no data broker can sell your habits, and no breach can leak them. If you want a copy, export a backup or a CSV — to your own device, nowhere else.

Free vs Pro

What's new

v2.2.0 · 2026-09-25

• The first open asks one question — how much you want to spend at most this month — and shows today's figure right away
• A free 9 pm calendar reminder (.ics) to log the day's spending, made on your device
• “I spent nothing today” now sits right under the main figure: one tap keeps your streak
• The weekly card shows how much you stayed under your limit, with an option to hide amounts
• Fixes: example amounts no longer look like a limit you already set; the US$ sign displays correctly in Arabic

v2.1.0 · 2026-09-24

• Irregular income mode for freelancers, gig and seasonal work: a “virtual pay” from your last three months
• A buffer that fills in good months and carries you through lean ones, with a green / amber / red light
• You choose the share to put aside; the spendable figure for the month follows it

v2.0.0 · 2026-09-24

• “Safe to spend today” — one figure every morning from your own monthly limit
• No-spend streak and a shareable weekly card
• Pro: 50/30/20 check, recurring bills and income, bank CSV import
• Pro: several wallets, receipt photos, a price book that shows your own inflation
• Pro: a passcode that encrypts the book (AES-256) and bill reminders for your calendar
• Your v1 data moves over automatically; 15 languages