Quick entry on a number pad
Add income and Add expense sit right on the home screen and on the home-screen widget. Type, tap a category, Save — nothing is required except the amount.
Tap. Pick. Done.
Logging an expense takes a few seconds. The whole book stays on your phone.
Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading. No account, no server, no connection needed: your expense book lives on your phone and goes nowhere else.
- No account
- Works offline
- No ads
TodayMonday, Sep 14, 2026
Total income18,000,000 ₫
0%Total spent2,991,000 ₫
+150%Balance15,009,000 ₫
+Add income−Add expense
Recent transactionsSee all
- GroceriesGroceries · Today 17:00−265,000 ₫
- Morning coffeeCoffee · Today 8:00−39,000 ₫
- SalaryIncome · 01/09+18,000,000 ₫
HomeHistoryStatsSettings
65,000 ₫
1234567890000
🍜Food & drink☕Coffee🚕Transport🛒Groceries💡Bills···More
Save
How it works
Three taps, and the expense is in the book
Type the amount, tap a category, tap Save. The rest — the totals, the month-on-month, the limits — the app does for you.
Type the amount
A number pad of its own, with a 000 key, built for one thumb while you stand at the counter. The figure shows large at the top so you can see what you just typed.
Tap a category tile
Food, coffee, transport, groceries, bills… each with its own icon. The first tile is preselected, so the most common expense is just the amount and Save.
It lands in the book
Right day, right category, right amount, filed into the wallet you have open. Made a mistake? Edit it — and the app keeps a history of that edit.
Look back at month end
Spending by category, income against spending, what is left. Set a limit and the app warns you before you go over, right on the home screen.
Logging is always free and never capped by the number of entries, on Basic and on PRO alike.
Numbers
Four figures you can check
- 0
- bytes of your data sent off the phone
- 0
- ads, on the free plan and on PRO
- 20
- currencies: VND, USD, JPY, EUR… one per wallet
- 1
- payment for PRO — no subscription, no renewal
There is no user count or transaction count here, because the app does not count: there is no server to count on, and that is by design.
Features
An expense book that is enough, and not more
Enough to know where the money went each month, and it stops before it becomes accounting software.
Categories with icons
15 default categories for income and spending, each with an icon and a colour. Rename them, change the icon, add your own — as you like.
Budgets and limits
Set a limit for the whole month and for single categories, and the app warns you before you go over. Free in full, per-category limits included.
Monthly statistics
Spending by category, income against spending, one tap to switch months. PRO adds the comparison with last month and a 6-month trend.
Several wallets, several currencies
Cash, bank, e-wallet — each with its own balance, and each in one of the 20 currencies the app knows. Basic gives you 2 wallets.
Offline, and the data is yours
No sign-up, no server holding your book. Export a CSV for Excel, free; PRO backs up to a password-protected file that restores on Android and iPhone alike.
Four things to know before you install
These are the app's real limits. Known in advance, none of them is a surprise; found later, when you need the thing, they are.
- PayNote is not connected to your bankIt does not read your SMS, does not read banking notifications, does not pull transactions in. You log each entry by hand — and in return, nobody, us included, can see your account.
- The book lives on exactly one phoneThat is why nobody else can read it, and also why losing the phone means losing the book if you have not backed up. There is no server copy for us to restore.
- No exchange rates yetEach wallet keeps one currency. Want to log in USD? Open a USD wallet. The app will not add a VND wallet and a USD wallet into one figure, because that would mean inventing a rate.
- PayNote is not an e-walletIt holds none of your money and moves none. A wallet's balance is a figure you entered and keep yourself, not a bank balance.
Pricing
Pay once, keep it for good
No ads on either plan. Logging is always free and never capped by the number of entries: it is the part that makes PayNote what it is, so it does not sit behind a paywall.
Basic
Freeno ads
A complete expense book, not a trial.
- Unlimited income and expense entries
- Categories, history, monthly statistics
- Budgets, per-category limits included
- Home-screen widget and a daily reminder
- CSV export
- 2 wallets
- Unlimited wallets
- Advanced reports
- Encrypted backup
- Category self-learning
PayNote PRO
99,000 ₫one payment · yours for good
No subscription, nothing auto-renews. 7-day trial, no card needed.
- Everything in Basic
- Unlimited wallets — keep cash apart from each bank
- Month-on-month comparison and a 6-month trend
- Password-protected encrypted backup and full restore
- Learns categories from what you log
Buying on Android and buying on iOS are two separate purchases: no account joins Google's store to Apple's.
FAQ
Frequently asked questions
Does the app need a connection?
No. Logging, statistics, limits — all of it runs on the phone, in a basement with no signal if need be. A connection is used at exactly one moment: when you buy PRO, and even then the app is asking the store, not us.
Does PayNote read my SMS or banking notifications?
No. It never asks to read your messages, notifications, contacts, location or photos. The one permission it asks for is to send notifications, so it can remind you to log each day — and if you say no, the app works just the same.
So does it log transactions from my bank automatically?
No, and that is deliberate. To do that, an app has to read your SMS or banking notifications — which means looking into your account. PayNote takes the opposite deal: you type the amount and tap a category, a few seconds — and in return nothing of yours leaves the phone.
Can I log in USD or JPY?
Yes. Each wallet uses one of the 20 supported currencies, and the home screen has a row of chips to switch between them. There are no exchange rates yet, so two wallets in different currencies are never added into one figure. Basic gives you 2 wallets; PRO has no limit.
Does the book come with me to a new phone?
Yes, if you have exported a backup — a PRO feature. The file uses one format on Android and iPhone, so it restores in either direction, and you can put a password on it. The data lives only on your phone, with no copy on our servers, so back up before you change or sell it.
Do I have to buy PRO again on a new phone?
No, as long as the new phone runs the same platform and is signed in with the account that bought it. On iPhone: open More → About PRO and tap "Restore Purchases" — the app asks the App Store under your Apple Account and PRO is back at once. On Android: same place, the button reads "I already bought it" and the app asks Google Play. Buying on Android and buying on iPhone are two separate purchases, since no account joins the two stores, so moving from one platform to the other means buying again.
Is PRO a yearly charge?
No. Pay once, keep it for good, nothing auto-renews. If the price rises later, everyone who already bought keeps what they have.
Are there ads?
No, on the free plan or the paid one. Ads need to track users to work, and PayNote is built not to track anyone.
Get the app
Your next expense, logged before you forget it
Usable the moment it installs: no sign-up, no login, no screen asking for your email.