Penvo - AI Voice Expense Log

Hold the + and just say it — a full entry in about a second. Settle a shared ledger in one tap, and envelope budgets now hold every category to its own limit.

Just say it out loud. "Four fifty for coffee" — and it's recorded before you've put your phone back in your pocket. No form to fill, no keyboard, nothing to give up on three days later.

That's the whole idea. Most people abandon expense apps because logging takes too long. Penvo makes it take one second.

VOICE & AI ENTRY • Press and hold + and speak — AI picks out the amount, category and note • Ask Siri without opening the app at all • Action Button on iPhone 15 Pro and later: one press, start talking • Apple Watch: log from your wrist in two taps • Home screen widget for a one-tap entry • Photograph a receipt and AI fills in the merchant, total and currency

EVERYDAY MONEY • Daily and monthly overviews with clear category breakdowns • Donut charts and trend graphs by week, month or year • Envelope budgets: give each category its own limit, and an overspend in one no longer quietly eats another • Recurring bills — subscriptions, rent, utilities — with reminders • 25 currencies, mixed freely in a single ledger and converted for you • Search your whole history; collapse settled days to keep the list clean • 13 languages, light and dark

SHARED LEDGERS • Share a ledger with a partner, family or roommates • Everyone adds their own entries; the group total updates for all of you • Settle up: Penvo works out who owes whom and clears the balances in one step • Made for rent, trips and the weekly shop

PLANNING AHEAD • To-dos for the financial jobs that slip — pay the card, cancel that subscription • Wishlist: save what you're considering, track progress, and turn it into an expense the day you buy it • Collectibles: photograph a card and AI reads the name, number and rarity, then values the set

BUSINESS MODE One tap away from your personal ledger, and completely separate from it: • Today's income, costs and profit at a glance • Receivables — who owes you, how much, and when it's due • Recurring business costs: rent, utilities, wages, commissions • Full transaction history grouped by day

PENVO PRO Siri and Action Button entry, Apple Watch, receipt and collectible scanning, shared ledgers, recurring bills, business mode, mixed currencies and Face ID lock. Free for 30 days, no card needed.

Invite a friend: once they've logged 20 entries you both get 7 days of Pro. If they subscribe monthly you get 7 more days, yearly 30.

PRIVACY • Local mode needs no account at all — your data stays on your iPhone, backed up through your own iCloud • Face ID / Touch ID lock, with a grace period so it doesn't ask again every time you switch apps • No ads. We don't sell your data, and we never see your bank credentials because Penvo never asks for them

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/