Penny Crunch

Penny Crunch is a straightforward expense tracker for people who want to know where their money goes — without handing their finances to anyone else. Everything you record stays on your device. There is no account to create, no sign-in, no cloud sync and no analytics. Your financial life is yours alone. TRACK IN SECONDS Add an expense or income in a few taps. Pick a category, set the amount, add a note if you want. That's it. BUILT-IN CATEGORIES Over thirty categories ready to go, covering groceries, rent, fuel, utilities, council tax, childcare, subscriptions and more. Add your own, hide the ones you don't use, and reorder them to match how you actually spend. BUDGETS THAT MAKE SENSE Set a monthly cap per category and see at a glance how much room is left. No lectures, no scores — just a clear picture of where you stand. REPORTS WORTH READING See spending by category, daily spending across the month, and a full category breakdown. Switch between week, month, or any custom date range. EXPORT WHENEVER YOU WANT Export your full transaction history as a spreadsheet (.xlsx) or generate a PDF statement. Your data is never locked in. CHOOSE YOUR CURRENCY Over 140 currencies supported, so the amounts read the way you expect. DARK MODE Comfortable in either light or dark. PRIVATE BY DESIGN No account. No tracking. No adverts. No data collection of any kind. Penny Crunch works entirely offline, and you can permanently delete everything from Settings at any time. Built in the UK by ZSynergy. Questions or suggestions: info@zsynergy.co.uk