PennyDay: Daily Budget Tracker

Pennyday is a free daily budget app and expense tracker with no ads. Open it and see one simple number: how much you can safely spend today and still hit your savings goals.

Log an expense in seconds, see where your money goes, and track savings goals by month, quarter and year. No account, no bank login, no ads.

SAFE TO SPEND TODAY
- One big number on your home screen: what you can still spend today
- Calculated from your income, fixed bills and the amount you want to save
- Overspend today and tomorrow's number adjusts, so your month stays on track

FAST EXPENSE TRACKER
- Add an expense or income in a few taps with a big, easy number pad
- Record transfers between your own wallets, like cash and bank
- Ready-made categories (food, coffee, transport, rent, bills, shopping...) or create your own
- Edit or delete anytime, with undo if you tap by mistake

SAVINGS GOALS BY MONTH, QUARTER AND YEAR
- Set a yearly savings goal and Pennyday splits it into quarters and months
- Progress bars with a time marker show if you are on track or falling behind
- A clear daily hint: how much more to save each day to reach your goal
- Savings jars for anything you are saving for: emergency fund, travel, a new phone

SPENDING REPORTS AT A GLANCE
- Pie chart of where your money goes by category
- Weekly bar chart for the current month
- Compare with last month to see if you spent more or less
- Tap any category to see every transaction behind it

CLEAR HISTORY
- View by day, week, month or year
- Total income, total spending and what is left for each period
- Search transactions by note or category
- Start your month on payday, so your budget matches real life

A GENTLE EVENING REMINDER
- Optional reminder at the time you choose, only if you have not logged anything that day
- Helps you build the habit without feeling nagged

SIMPLE AND PRIVATE
- Free to use, with no ads
- No sign-up and no bank connection needed
- Works offline
- Your transactions stay on your phone and are not sent to our servers
- Light and dark themes, large text and big buttons

WHO IS PENNYDAY FOR?
- Anyone who earns enough but still ends the month with nothing saved
- Students who need a simple spending tracker to last until the end of the month
- People saving for something specific: an emergency fund, a trip, a wedding
- Anyone who tried a complicated money manager or budget planner and gave up

PLEASE NOTE
- Pennyday is a personal budget app and expense tracker. It does not offer loans, investments, banking or financial advice.
- Your data is stored only on your device. If you uninstall the app or switch phones, your data cannot be moved yet.

Download Pennyday, log your first expense today and start budgeting one day at a time.