The budget app built around the Tunisian dinar

Most budgeting tools are designed for countries where everything is paid by card and currencies have two decimals. Daily life in Tunisia looks different: a lot of cash, prices in dinars and millimes, a salary that has to last until the next one, and conversations that switch between Arabic, French and English. A budget app for Tunisia should fit that reality instead of fighting it.

The dinar, done properly

The Tunisian dinar has three decimals: 1 TND = 1,000 millimes. Many apps round it to two decimals or do not list it at all. Pennoway treats TND as a first-class currency, so 2.350 TND for a coffee or 0.800 TND for a baguette is recorded exactly as you paid it.

This matters more than it seems. Small amounts are where budgets leak, and an app that rounds them away gives you the wrong picture. With exact amounts, your monthly totals match what really left your pocket. Twenty purchases rounded by 0.200 TND each already hide 4 TND a month, and the error grows with every coffee, bus ticket and bag of bread you record.

A realistic Tunisian month

Here is an example for a single employee in Tunis earning 1,900 TND net:

• rent: 650 TND;
• STEG and SONEDE bills, internet and phone: 140 TND;
• groceries and the weekly market: 420 TND;
• louage, taxi and fuel: 160 TND;
• coffee, snacks and outings: 210 TND.

That already adds up to 1,580 TND, leaving 320 TND for clothes, family occasions and savings. When you enter your income at the start of the month, the monthly wallet divides what is left by the remaining days and shows a daily allowance. If you overspend on Saturday, the figure for Sunday adjusts automatically, so you always know where you stand.

Built for cash, not only cards

In Tunisia, the market, the épicerie, the louage and the café are usually paid in cash. Pennoway lets you keep a separate cash wallet next to your card or postal account, record your ATM withdrawals as transfers, and adjust the balance if the notes in your wallet do not match. Our budget app for cash page explains this routine step by step.

In your language

The app is available in Arabic, French and English, among six languages, with a right-to-left interface in Arabic. You can also add expenses in plain words through the AI assistant: “35 dinars groceries” or a sentence in French becomes an expense, ready to confirm. It is a natural way to log spending when you are standing at the till.

Seasonal spikes you can plan for

Some months are heavier than others, and they are predictable:

• Ramadan: food and family meals often push the grocery budget well above a normal month;
• the rentrée: school supplies, uniforms and fees in September;
• Aïd and weddings: gifts, clothes and travel to the family.

Use reminders to put money aside in advance, and compare months in the statistics to see how much last year’s Ramadan really cost. Our tips to save money at the market help with the biggest everyday line, and the back-to-school budget guide covers September.

For Tunisians abroad, too

If you live in France, Germany, Italy or the Gulf, you can keep one wallet in EUR or AED for daily life and another in TND for family expenses or a project back home. Pennoway converts everything at daily rates for your statistics, while keeping original amounts. See multi-currency for how it works.

Free, private, on Android

Pennoway is free, with no subscription and no card. It does not connect to your bank, so you decide what you record. The Android app is downloaded directly from this site as an APK, and an iPhone version is coming soon. Start by logging one week of spending in dinars: most people find at least one habit worth 50 TND a month that they had never noticed.

Frequently asked questions

Updated on November 11, 2026