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Open the app → Settings → Export → choose CSV or XLSX → choose where the file goes via the system share sheet (Files, iCloud Drive, email, AirDrop). Penno itself never sends the file anywhere — you choose the destination.

Settings → Import CSV → select the file you previously exported. Note: restoring is destructive — it wipes your current data and replaces it with the file's contents. Export your current data first if you want to keep it.

Not automatically. Penno is intentionally local-first — there is no Penno cloud. iOS may include the app data in your iCloud Backup (this is iOS behaviour, not Penno specific), so a fresh install on a second device that uses the same iCloud account may restore the backup. To move data explicitly between devices, use Export → AirDrop → Import.

No. Penno does not support bank linking — by design. The app contains no bank-aggregation SDK (no Plaid, no MX, no Yodlee). All transactions are entered manually. This is the central trade-off of the app: a private, offline tracker requires manual input.

No. Penno is a one-time purchase. Every feature ships in the version you bought. No upgrade paywall, no in-app purchases, no recurring fees.

Add a recurring entry with a name, amount, category, and billing day (1-31). Every time you open the app, Penno checks for any recurring whose next billing date has passed — those automatically get logged as transactions. If you allow notifications, you also get a day-before reminder for each upcoming charge.

Three kinds. If a debt has a due date, you get a reminder N days before. If a debt has a monthly payment day, you get a reminder on that day each month. If neither is set and the debt has been untouched for a while, Penno sends a quiet "you haven't moved this debt in a while" nudge — useful for the IOU you forgot your sister owes you.

Penno's default categories (Food, Transport, Bills, etc.) are stored with English names in the database, then translated at display time. This keeps the data portable — if you export a CSV in Turkish and re-import it after switching to German, the default categories still match. Categories you create are stored exactly as you typed them and are not translated.

Your data is gone with the app. There is no server-side copy. Before deleting, export your data via Settings → Export so you have a backup file somewhere of your choosing.

Not yet. iOS shipped first. Android is on the roadmap — no committed date.

Refunds for App Store purchases go through Apple, not the developer. Visit reportaproblem.apple.com and request a refund there. We don't have control over Apple's decision, but most reasonable requests are approved.