Features Screenshots Privacy Specs FAQ Legal & Privacy Policy

v1.0.1 Closed TestingAndroid 8.0+ (API 26–36)100% Offline • Zero Telemetry

pennyBook Ledger

Your money. Your records. Your privacy.

A modern, private personal financial manager for Android. Track income, organize daily expenses, balance Udhaar credit debts, and control monthly budgets—with zero cloud servers, zero third-party ads, and 100% on-device data sovereignty.

Download on Google Play Explore Features Privacy Architecture

Privacy Isn't a Feature. It's Our Foundation.

Unlike cloud budgeting apps, pennyBook Ledger operates with zero internet permission (android.permission.INTERNET is not declared). Your records are stored strictly on your physical device inside an encrypted SQLite database protected by SQLCipher and Argon2id.

Zero Internet AccessSQLCipher 256-Bit EncryptionCloud Backup ExclusionZero Third-Party Ads

Designed for Autonomy

Comprehensive Financial Features

Engineered with Jetpack Compose for speed, privacy, and frictionless daily tracking.

Income & Expense Tracking

Log daily transactions in seconds with 60+ smart categories, custom payment modes (UPI, Cash, Card, Net Banking), tags, and instant savings rate computation.

Udhaar & Debt Khata

Manage money lent to or borrowed from contacts with due-date reminders, partial repayments, and friendly one-click WhatsApp transaction notes.

Budget & Rollover Intelligence

Set granular monthly expense budgets per category with real-time progress indicators and intelligent month-to-month surplus/deficit tracking.

Optional Investment Portfolio

Track mutual funds, gold, fixed deposits, and stocks cleanly isolated from routine daily expenditures.

Visual Financial Analytics

Interactive category donuts, month-over-month comparison trends, income-to-expense ratios, and drill-down transaction sheets.

Scheduled Auto-Backups & Privacy

Automatic daily backups directly to internal storage (Documents/PennyBook) with one-tap restore and Argon2id/AES-256 protection.

Actual Application Interface

Explore the Interface

Native Android UI built with Jetpack Compose & Material 3 dynamic color tokens.

Home Dashboard & Dynamic Greeting

Categorized Expense & Income Tracking

Udhaar & Debt Khata Management

Intelligent Monthly Budgets

Interactive Spending Analytics & Trends

Optional Investment Tracking

100% Local Encrypted Backups

Dynamic Material 3 Theming & Font Scaling

Architecture & Specifications

Operating System & Platform

Android 8.0+ (API 26–36)

Target SDK 36 (Android 16)

UI & Theming Framework

Jetpack Compose + Material Design 3

Dynamic Color & 80%–140% Font Scaling

Database Engine

Room Database 2.6.1 (SQLite)

SQLCipher AES-256 local encryption

Programming Language

Kotlin 2.0.21

Coroutines, Flow, StateFlow

Export Engines

Apache POI (Excel .xlsx), iText (PDF)

UTF-8 BOM CSV generator

Privacy Guarantee

100% Offline • Zero Telemetry

Zero network permission in core ledger

Help & FAQ

Frequently Asked Questions

Learn how to get the most out of pennyBook Ledger's offline tools.

All financial entries are stored strictly locally on your device in a private SQLite database encrypted via SQLCipher 4.17.0. The application does not declare or request the android.permission.INTERNET permission, which physically prevents the operating system from opening network connections or transmitting your records to any remote server.

Take Control Today

Ready to Take Control of Your Finances?

Download pennyBook Ledger and experience modern, distraction-free expense tracking with 100% on-device data autonomy.

Download on Google Play

Package: com.pennybook.expensetracker • Version 1.0.1 • Requires Android 8.0+