pennoway

Spend in any currency, budget in yours

Travellers and expats spend in one currency and think in another. Pennoway keeps both and converts at daily rates, so your budget always makes sense.

Paying 45 AED for lunch in Dubai, 18 EUR for a train ticket in Paris and 30 TND for dinner with family in Sousse in the same month is normal for many people. Adding those amounts up in your head is not. A travel expense tracker with multi-currency support records each expense in the currency you paid and shows the totals in the one you think in.

How multi-currency tracking works in Pennoway

Pennoway supports the Tunisian dinar with its three decimals plus 16 other currencies, including EUR, USD, MAD, DZD, AED and SAR. The logic is simple:

  • each wallet has its own currency, for example a dirham wallet for daily life in the UAE and a dinar wallet for expenses back home;
  • rates are updated daily from reliable sources, with history;
  • statistics are always shown in your main currency, so you can compare months and categories directly;
  • you keep original amounts, or convert your history if you change your main currency.

Read the details on the multi-currency feature page.

For Gulf expats: AED or SAR in, home currency out

If you earn in dirhams or riyals, your budget lives in two worlds. Rent, groceries and transport are paid locally, while savings, family support and future plans are counted in your home currency. Example for a salary of 12,000 AED:

  • rent and bills in Dubai: 5,500 AED;
  • daily life: 3,000 AED;
  • money sent to family: 2,000 AED;
  • savings: 1,500 AED.

With a main currency set to TND or EUR, the statistics tell you each month what your Gulf lifestyle costs in the currency your family uses, and how much actually reaches home. If your salary is in SAR, the same setup applies with a riyal wallet.

For travellers: a budget per trip

Before a trip, decide a total and a daily amount. A week in Spain from Tunisia might look like this: 600 EUR on the ground, or about 86 EUR a day. Create a euro wallet, move your travel money into it, and log each expense as you go. You always see the remaining amount in euros, and the statistics show the trip in dinars at the day’s rate.

Quick tips that keep a travel budget honest:

  • log card payments and cash separately, since exchange fees and ATM withdrawals often differ;
  • add a “fees” category for currency exchange and bank charges;
  • write expenses as you pay, or in one sentence to the AI assistant, such as “15 euros museum”.

Trips, fuel and places

On road trips, free GPS records distance travelled and estimates the cost of fuel, and visits longer than five minutes appear with the place name. That makes it easy to remember the café in Marseille or the petrol station on the way to Abu Dhabi when you review the day. All location processing happens on your phone. For everyday driving, our article on how to track your trips to spend less shows what the numbers reveal.

Coming home: one clean history

When the trip ends, there is nothing to reconcile in a spreadsheet. The euro wallet stays as a record, the totals are already converted, and the year view shows how much your holidays cost compared with last year. If you have money left in a foreign currency, keep it in its wallet for the next trip rather than mixing it with your daily budget.

Who it is for

Pennoway works well for expats in the UAE and Saudi Arabia, Maghreb families with relatives in Europe, students abroad and anyone who travels a few times a year. If your home base is Tunisia, see our budget app for Tunisia page for the local side of the budget.

The app is free, in six languages including English, French and Arabic, without any bank connection. It is available on Android as a direct APK download, with iPhone coming soon.

Frequently asked questions

What is the best way to track expenses in multiple currencies?

Record each expense in the currency you paid, then let the app convert it into one main currency for totals. Keeping one wallet per currency avoids mixing travel money with your daily budget.

Which exchange rate does Pennoway use?

Rates are updated every day from reliable sources and kept in a history. Your statistics use these rates to show everything in your main currency, while the original amount of each expense is preserved.

I earn in AED. Can I see my budget in my home currency?

Yes. Set your home currency, for example TND or EUR, as the main currency and keep a dirham wallet for daily spending. Statistics then show what you spend and send home in your home currency.

How much should I budget per day for a trip?

Divide your total budget for spending on the ground by the number of days, after paying flights and accommodation. Track the first two days closely: if you are above the daily amount, adjust early rather than at the end.

Can I change my main currency later?

Yes. When you switch, you can either convert your history into the new currency or keep the original amounts. Your expenses are never lost.

Features that help you

Free GPS

Without typing anything, see where you spend time and how much each place costs you.

Discover

Monthly wallet

At the start of each month, Pennoway asks for your income and computes how much you can spend per day.

Discover

What does your coffee really cost?

One €3 coffee a day adds up to more than €1,000 a year. Here is how Pennoway makes small expenses visible.

· 2 min read