The modern, private personal financial manager for Android. Track income, organize daily expenses, balance Udhaar debts, and control monthly budgets—with zero cloud servers or third-party ads.
Built with modern Android Jetpack Compose for speed, privacy, and seamless daily financial management.
Log transactions in seconds with smart categorization, payment mode tags (UPI, Cash, Card), custom notes, and automatic savings rate calculations.
Track money lent to or borrowed from friends, family, and colleagues. Monitor bank EMI schedules, settle partial amounts, and receive due-date reminders.
Set custom monthly budgets with live spending progress bars. Analyze spending habits through interactive month-by-month financial charts.
Seamlessly toggle investment tracking to record mutual funds, gold, stocks, and fixed deposits isolated cleanly from routine living expenses.
Download structured CSV spreadsheets and professional PDF financial statements. Use local CSV templates with built-in duplicate detection and validation.
Generate password-protected AES-256 .pennybook backups derived using Argon2id. Protect your ledger with Fingerprint, Face Unlock, or PIN.
Intuitive, clean, and distraction-free accounting designed around your everyday financial needs.
Complete cashflow, balance card & daily trend overview
Fast record entry with categories, payment mode & notes
Track receivables, payables, settlements & borrower history
Category-wise spending limits with real-time progress bars
Budget vs expense trends and interactive breakdown charts
Monitor assets, returns, and category-wise distributions
Zero internet permission, local Room DB & encrypted backups
Dark/Light themes, multi-currency formatting & biometric lock
Unlike traditional cloud budgeting apps, pennyBook Ledger never uploads your financial ledger to remote databases.
The application does not declare android.permission.INTERNET. The Android OS prevents the app from opening network sockets or uploading telemetry.
All database records are protected by SQLCipher 4.17.0 and hardware-backed keys managed securely inside the Android Keystore.
Explicit OS data extraction rules ensure your private SQLite database and keys are never uploaded to automated Google Drive cloud backups.
Learn how to get the most out of pennyBook Ledger's offline tools.
.pennybook backup protected by a personal password using Argon2id and AES-256-GCM, or export an unencrypted SQLite .db snapshot. Files are saved directly to your chosen device folder via Android's Storage Access Framework.