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penNO is the expense and income tracker for iPhone, Android and web: split recurring costs with partners, roommates or friends and see where your money goes.
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.
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About penNO on Product Hunt
“Expense tracker & bill splitter, no bank linking”
penNO was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #114 on the daily leaderboard. penNO is the expense and income tracker for iPhone, Android and web: split recurring costs with partners, roommates or friends and see where your money goes.
penNO was featured in Android (57.3k followers), Productivity (655.7k followers), Fintech (47.2k followers) and Personal Finance (2.8k followers) on Product Hunt. Together, these topics include over 209.1k products, making this a competitive space to launch in.
Who hunted penNO?
penNO was hunted by Michele Lucchese. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Michele Lucchese