Take control of your spending & debts.
xPenny blends elegant expense tracking with a powerful Debt & IOU hub. Lightning fast, offline-first, and obsessively private — never forget who owes who again.
Everything you need. Nothing you don't.
A focused toolkit for daily money — without the bloat of legacy banking apps.
Dashboard & transactions
Every dollar, beautifully accounted for.
Track Expenses, Income, Transfers and Debts in seconds. See your net flow, top categories and monthly progress without the spreadsheet stress.
- Four transaction types: Expense, Income, Transfer, Debt
- Real-time net worth, inflow & outflow
- Monthly budgets with live progress
- Recurring transactions and reminders
Categories & accounts
Organize spending. Master your accounts.
Custom categories with unique icons and colors. Manage Regular, Debt and Savings accounts — including credit cards, loans and goal-based emergency funds.
- Fully customizable categories & subcategories
- Regular, Debt and Savings account types
- Goal tracking on savings accounts
- Multi-currency with custom formatting
Yours, in any light
Built on local SQLite. Beautiful in every theme.
Your data lives on your device — encrypted, instant, and yours alone. Switch between dark, light, and system themes without losing a beat.
- Offline-first, encrypted local SQLite database
- Dark, Light and system-default themes
- Optional Google Drive backup & multi-device sync
- Export transactions to CSV anytime
Power features. Zero clutter.
From IOUs to recurring bills, xPenny handles the details so you can focus on the bigger picture.
Debt & IOU ledger
Track "I owe" vs "I am owed" per person, with Borrow, Repay, Lend and Receive actions.
Savings goals
Goal-based savings accounts with progress tracking — for emergencies and dreams alike.
Recurrence & reminders
Schedule daily, weekly or monthly repeating transactions and never miss a bill.
Smart budgeting
Set monthly limits per category and watch budgeted vs spent update in real time.
Encrypted cloud backup
Optional Google Drive sync with end-to-end encryption — your data, your keys.
Biometric lock
Passcode and Face ID / fingerprint unlock to keep your finances private.
Advanced search
Find any transaction by title, note, amount or account in milliseconds.
Multi-currency
Pick your default currency, customize formatting and define your week & month start.
Your money. Your data. Period.
xPenny is built privacy-first. Your transactions never leave your device unless you explicitly export them.
Local-first storage
Everything stays on your device in an encrypted SQLite database. No cloud required.
Biometric lock
Unlock with FaceID or TouchID. Your finances stay private even if your phone doesn't.
Zero tracking
No ads. No analytics on your spending. We literally have nothing to sell.
Up and running in under a minute.
Download xPenny
Grab it from the App Store or Google Play. No account required to start.
Add expenses & people
Log transactions in seconds and add friends to track shared bills and IOUs.
See where your money goes
Beautiful insights, real-time balances, and zero-stress monthly budgets.
Questions, answered.
Start tracking in 60 seconds.
No account required to start. Download xPenny and your first transaction is one tap away.
Free · iOS & Android · Offline-first
No account required to start.