Hi everyone — I'm Michele, the maker. I built penNO after Mint shut down and every alternative wanted my bank login. penNO takes the opposite bet: you log transactions yourself (or with recurring rules), and it turns them into a clear monthly picture — net balance, categories, month-over-month and year-over-year trends. No screen-scraping, no aggregator, no ads on your spending. The part I use most is shared expenses: connect with a partner or roommate, set a split percentage per category, and balances + settlement history handle the rest. Groups cover trips with PDF/spreadsheet export. It runs on iPhone, Android and the web with one synced account, is free to start, and is EU-hosted under GDPR. Happy to answer anything — feedback very welcome.

penNO

Expense tracker & bill splitter, no bank linking

Expense tracker & bill splitter, no bank linking