PennyJot

Say it once. It’s logged.

An expense tracker for iPhone, built for Vietnamese speakers. Tap the mic, say “phở 50k, đổ xăng 100k”, and each expense lands on its own line.

Coming soon to the App StoreVoice entry needs iOS 26 · Speaks Vietnamese, counts in VND
3
taps
<10
seconds
0
typing

From opening the app to a saved expense

Three steps. No typing.

  1. Tap and talk

    Say several expenses at once. Add a day if you like: “hôm qua” (yesterday).

  2. Check

    Amount, category, wallet — one line each. Tap to fix.

  3. Save

    Nothing is saved until you say so. Works offline.

What it does

Talk, don’t type

Several expenses in one breath, split for you.

Gets the amounts

“2 triệu rưỡi”, “5 củ”, “50k” — read right.

Every wallet

Cash, bank, shared funds. Transfers never count as spending.

Learns your categories

Guesses from how you log. On-device, no AI.

One tap from anywhere

Widgets, Control Center, the Action button.

Your backup, your file

One-file backups you keep. Restore anytime. Export to Excel.

Your ledger stays on your iPhone

Read the privacy policy →
  • Your voice stays put

    Speech becomes text on your iPhone and goes nowhere else.

  • No account. No servers.

    No sign-up, no login. The app never sends your data online.

  • No ads. No tracking.

    No ad or analytics code in the app. None.