Personal ledger

Penny Diary

Every dollar, entered by you, read back clearly.

Sign in

Pick up where you left off on your iPhone.

Try the demo

The web opens for a Penny Diary Pro account that signs in with Google. It has no Apple sign-in. The demo is a sample ledger: no account needed.

A sample month

Open the sample report

Where the money went, and what changed from the month before.

Sample ledger · Oct 2026

Spending

$3,214.90

12%vs September

Income

+$3,860.00

10%vs September

Net

+$645.10

↑ $30.44vs September

  • Rent43%$1,380.00
  • Groceries14%$461.01
  • Transport12%$371.68
  • Dining11%$345.75
  • Utilities5%$174.40
Per dayAcross 31 days$103.71
Largest singleRent · Oct 1$1,380.00
Biggest changeTravel vs September↓ $560.60

Sample ledger · 2025

Month by month

avg $3,249.07 a month

Latest entries

Open the sample ledger

On iPhone, type an entry or say it, or let an Apple Pay payment add itself through Shortcuts.

Sample ledger · Oct 2026

  • Movie ticketsEntertainment · Sat, Oct 31$26.00
  • Trader Joe’sGroceries · Sat, Oct 31$46.82
  • Thai BasilDining · Fri, Oct 30$31.20
  • SightglassCoffee · Fri, Oct 30$4.75
  • LyftTransport · Thu, Oct 29$18.25

How it works

On iPhone
Your ledger stays on your phone, with no account. Recording, reports and CSV export are free.
Penny Diary Pro
Adds sync between devices, saved reports and this web app. It is sold in the iPhone app, which is not on the App Store yet.
On the web
The ledger of a Pro account that signs in with Google, in any browser. The web has no Apple sign-in.
Privacy
No bank connection, no ads and no third-party tracking.