No Spend Challenge: Pennyfold

Pennyfold turns the no spend challenge, the 100 envelope challenge and the 52 week savings challenge into trackers you color in, just like the printables everyone shares, only smarter. Tap a cell when you save, in any order you like, and watch your total grow with every stroke of the marker.

FOUR SAVINGS CHALLENGES, ALL FREE
• 100 Envelope Challenge: envelopes numbered 1 to 100 (or 50, 150, 200), 5,050 in total. Can't decide? Draw a random envelope.
• 52 Week Challenge: rising, reverse, the same amount every week, or worked out from your goal. Weekly, every two weeks or monthly.
• No Spend Challenge: 7 to 365 days on a calendar. Log a no spend day with one tap, keep your streak, see roughly how much you kept.
• Savings Goal: pick a target and color in cells of mixed amounts until you get there.

ANY ORDER, ANY CURRENCY
• Fill envelopes and weeks in whatever order fits your budget this week
• Every currency in the world, with cents where your currency has them
• Add extra amounts: spare change, a bonus, a partial payment
• Fixed amounts or a goal that Pennyfold splits into weekly amounts for you

REMINDERS THAT KNOW WHEN TO STAY QUIET
• Daily or weekly, at the time you choose
• "No spend day?" check-in with buttons right in the notification
• They come back after a restart or update, and stay silent when there is nothing to do

YOUR DATA STAYS YOURS
• No ads. No account. No bank login.
• Pennyfold never moves money. It records what you color in, on your phone.
• Saved after every tap, included in your phone's backup, plus a backup file you can take to a new phone

SHARE YOUR PROGRESS
• A story picture of your tracker
• A coloring video in 9:16: every cell fills in, in the order you saved it
• Milestone stamps at 25, 50, 75 and 100 percent

PENNYFOLD PRO (OPTIONAL)
• Several challenges at once, like envelopes plus a no spend month
• Shape trackers: heart, house, piggy, plane, star
• Five more marker colors
• Insights: savings curve, weekly pace, best week, finish date
• HD video without watermark
Monthly or yearly subscription, the yearly plan with a free trial. We remind you a day before the trial ends. Cancel anytime in Google Play.

Whether it is a no buy month, a money saving challenge for a trip or your first emergency fund: color it in and watch it add up.

Pennyfold is a savings tracker for personal motivation. It is not a bank, does not hold or move money and does not give financial advice.