---
title: "Pennyworth: expense tracker and budgets for iPhone and Android by Jack Xuan"
canonical_url: https://cookiesforai.app/products/pennyworth
markdown: https://cookiesforai.app/products/pennyworth.md
publisher: "CookiesForAI"
last_updated: 2026-10-14T00:13:33+02:00
facts_checked: 2026-10-14
type: product
summary: "Pennyworth is an expense tracker for iPhone and Android by Jack Xuan, for recording income, spending and budgets by hand in separate books, without connecting a bank account."
related:
  - "https://cookiesforai.app/products/pocket-clear"
  - "https://cookiesforai.app/products/remindpay"
  - "https://cookiesforai.app/products/subtrack"
---

> Full index of this site: https://cookiesforai.app/llms.txt  
> Checked by CookiesForAI on 14 OCT 2026: store page or website saved and every fact on this page checked against the saved copy.

# Pennyworth

Pennyworth is an expense tracker for iPhone and Android by Jack Xuan, for recording income, spending and budgets by hand in separate books, without connecting a bank account.

iOS and Android app by [Jack Xuan](https://pennyworth.swalloworkstudio.com/).

## Facts

| Fact | Value |
|---|---|
| Made by | [Jack Xuan](https://pennyworth.swalloworkstudio.com/) |
| Type | iOS and Android app |
| Category | [Finance](https://cookiesforai.app/products/category/finance) |
| Runs on | iPhone, Apple Watch, Android |
| Free tier | Free plan |
| In-app purchases | Yes |
| Ads | Yes |
| Languages | English, Japanese, Korean, Simplified Chinese, Traditional Chinese |
| Store privacy label | Data Used to Track You: location, identifiers, usage data and diagnostics. Data Linked to You: identifiers, usage data and advertising data may be collected |
| First released | 14 JAN 2015 |
| Last update | 09 OCT 2026 |
| Website | https://pennyworth.swalloworkstudio.com/ |
| App Store | https://apps.apple.com/us/app/pennyworth-expense-tracker-app/id954944283 |
| Google Play | https://play.google.com/store/apps/details?id=com.swalloworkstudio.rakurakukakeibo |
| Page updated | 14 OCT 2026 |
| Facts checked | 14 OCT 2026 ([how](https://cookiesforai.app/method)) |

## What Pennyworth does

Pennyworth records income and expenses you enter yourself, with categories, tags, recurring entries, receipt photos, a money calendar and monthly and category budgets.

Separate books keep personal, household and business records apart, and accounts cover cash, bank accounts, credit cards and loan repayment schedules in more than one currency.

Records are saved on the device first and work offline; it does not import transactions from a bank, and it exports records to CSV.

## Who Pennyworth suits

- Households that want to keep home and business spending in separate books
- People who want to share one book with a partner or family

One limit: The free app shows ads, and iCloud sync and sharing on iPhone is a paid add-on.

## What Pennyworth costs

Free tier: Free plan. The core app is free with ads; on iPhone, removing ads, iCloud sync and sharing, and stock tracking are separate one-time purchases.

Current prices: https://pennyworth.swalloworkstudio.com/#pricing (we do not list prices: makers change them, so check the maker's own page before you buy).

## How Pennyworth got on this page

Listed by CookiesForAI from public pages: we saved Pennyworth's store page or website and checked the facts on this page against the saved copies on 14 OCT 2026. The maker did not pay and was not asked.

Pages we saved: [apps.apple.com](https://apps.apple.com/us/app/pennyworth-expense-tracker-app/id954944283), [pennyworth.swalloworkstudio.com](https://pennyworth.swalloworkstudio.com/), [play.google.com](https://play.google.com/store/apps/details?id=com.swalloworkstudio.rakurakukakeibo). Independent by our checks on 14 OCT 2026 ([how we decide](https://cookiesforai.app/method)).

Are you the maker? Write to cookiesforai@gmail.com to correct or remove this page. We read every request.

## More in Finance

- [Pocket Clear](https://cookiesforai.app/products/pocket-clear): Pocket Clear is an expense tracker for iPhone, iPad and Android by Aravind Srinivas, for logging money in and money out in two taps, without linking a bank account.
- [RemindPay](https://cookiesforai.app/products/remindpay): RemindPay is a bill reminder app for iPhone, Mac and Apple Watch by Rinto Andrews, for keeping bills and due dates in one list, that also tracks warranty expiry dates.
- [Subtrack](https://cookiesforai.app/products/subtrack): Subtrack is a subscription tracker for iPhone, iPad and Mac by Mohit Nandwani, for listing recurring subscriptions and bills with due date reminders, with iCloud sync and no sign-up.