Free forever for tracking expenses and subscriptions. Pro: $2.99/week or $39.99/year (approximately $3/month, saves 80%). 3-day free trial for Pro.
Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
Key features
Log expenses with photo receipt scanning
Subscription tracking with renewal alerts
Automatic cheaper alternative suggestions
AI money assistant (Penny) for spending questions
Monthly spending breakdowns and insights
Price drop notifications
Subscription savings analysis
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
What makes it different
Spot forgotten subscriptions before they drain your budget for months
Find exact savings when switching to cheaper subscription alternatives
Ask Penny questions about spending in plain language without charts or filters
Expense logging with no manual typing via receipt photos
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
tracked.
Ledgerly