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Penvo is an AI-powered expense tracker for iPhone and Apple Watch, built for people who want to log spending in seconds without typing. Instead of filling out forms, you simply speak — say "lunch $12" to Siri or directly in the app — and Penvo's AI captures the amount, category, and notes automatically. You can also scan a receipt and let AI parse the details, or enter expenses manually. Penvo tracks spending across 25 currencies within a single ledger, converting them automatically, which makes it useful for travelers, expats, and anyone who deals with more than one currency. On Apple Watch, a two-step widget lets you record an expense in a couple of taps without taking out your phone. Beyond personal tracking, Penvo supports shared ledgers with member invites, real-time group totals, and split-bill settlement — handy for couples, roommates, and trips. A one-tap switch turns on Business mode, with a daily income, cost, and profit overview, accounts receivable tracking, and recurring business expenses. It also offers monthly budgets, spending trend charts, recurring bill reminders, and Face ID privacy lock. Penvo is available on the App Store with a free plan and an optional Pro subscription. Mehr ansehen