An expense tracker that keeps its mouth shut.

What it is for

Built around the month, and the thing you do fifty times a month.

Type an amount. Everything else in Peace exists to make that ledger tell the truth afterwards: transfers appear once instead of twice, a refund nets against what it reversed, a credit card reads as money owed rather than an emptied wallet, and percentages add up to exactly 100.

Recording

Four taps and a thumb. Piece of cake.

• A calculator keypad — type 120 + 35 and save the answer. Digits and operators go on the side you prefer.
• Two-tier categories, so Coffee rolls up into Food everywhere.
• Transfers between your own accounts, written as one pair, counted once.
• Multi-currency, with the rate kept per record — last year’s purchase stays at last year’s rate.
• Credit cards with their limits, foreign-transaction and cash-withdrawal fees.
• Works in split-screen beside your bank’s notification, which is where records get logged.

Making sense of it

Where it went, ranked — and what is left.

• Every day netted, with the month’s expense, income and running position in the header.
• A category ring and a ranked breakdown, filterable by tag.
• Budgets per category, suggested from what you actually spend — no blank screen on day one.
• Tags for what categories cannot say: a trip, a renovation, a project.
• Search across notes, categories, accounts and tags, with the total of every match.
• Balance corrections for when the bank disagrees, never counted as spending.

Less typing

Receipts and bank messages, read for you.Optional

• Photograph a receipt and have the shop, total and basket read into the form.
• Bank notifications offered as records to approve — never written behind your back.
• Cash out of an ATM is recognised as a transfer, so it is not counted twice.
• Off until you add your own Gemini API key. Bank messages are read only from senders you name; the list starts empty.

Penny, the assistant

Ask in plain words. Get answers from your ledger, never estimates.Optional

• “How much did fuel cost me in December?” — worked out by the same totals every screen uses.
• Charts on request; tap a bar to see the records inside it. Reports as PDFs.
• Hand it a receipt or an invoice and ask about it, or have it logged with the file attached.
• It can change things too, but every change is a card you approve first, and deletes can be undone.
• Every amount it mentions is cited from your data — hide amounts, and its answers hide too.

Keeping it

Backups you can open without this app.

• A backup is a plain zip: the database beside your receipts. Unzip it anywhere and your data is there.
• Restore brings back your records, receipts and settings — and “Undo last restore” brings back what it replaced.
• Optional Google Drive backup, sealed with a passphrase if you choose one.
• CSV export that keeps both sides of every transfer, so per-account balances still add up.

First launch

Set up in a minute — or skip it.

• Your currency, worked out from the phone’s region; one tap to confirm or change it.
• Name your accounts and say what each holds today, or start counting from now.
• Pick a calculator or a phone keypad by looking at both.
• Reminders, AI and bank alerts are each explained in plain words, and asked for only on a yes.
• Anything you skip waits on the Records screen, one tap away.

Also in the drawer

The rest of it.

Private by default

Peace of mind: nothing leaves your phone until you turn something on.

There is no Peace account and no Peace server. The few things that can talk to the internet are each off until you switch them on, and each one is listed on Your data.

Deliberately not doing

What an app refuses to do describes it too.