The story of Penno
Hi, my name is Michele. I'm a product manager, but I've always loved programming.
I built Penno for myself. I wanted a simple tool to understand where my money was going and split expenses clearly with the people close to me.
After months of daily use, I realized it could be useful to others too. So I decided to share it.
penNO The name penNO plays on two meanings: 'no pen' — no paper and pen, everything digital — and 'penny', because every cent counts.
Penno isn't meant to replace your bank. It's meant to give you awareness: knowing how much you spend, how much you save, and where you can improve.
A real-world example
How Michele and Federica use Penno every day
Shared categories
Michele and Federica live together. They share the Rent, Groceries, and Bills categories on Penno, each with their own percentage.
Everyday expenses
When Federica buys groceries, she logs the transaction on Penno. The app automatically calculates Michele's share based on the configured percentage.
Always up-to-date balance
On the dashboard, both can see in real time who owes what. No more spreadsheets or end-of-month arguments.
Settling up
When the balance reaches a certain amount, whoever owes sends a bank transfer and logs it as a settlement. Everything tracked, everything transparent.
