01
Every wallet, one clear view
Follow cash, bank accounts, cards, and savings. Transfers, refunds, and per-currency totals keep every balance honest.
Personal finance, made clear
Know where it went.
Decide where it goes next.
Bring your wallets, everyday spending, budgets, and bills into one clear view. Add transactions in seconds, understand what changed, and see what needs your attention next — without turning your finances into a spreadsheet project.
1K+
downloads and counting
8
themes to live in
19
typefaces to make it yours
100
point health score
The essentials
Everything that moves your money, connected.
From a morning coffee to a card transfer or a shared dinner, every entry updates the bigger picture automatically.
02
Log spending your way
Type a purchase, say it out loud, snap a receipt, import a statement, or share a payment message straight from another app.
03
Spend with a plan
Create limits for the categories that matter and get an early alert while there is still time to adjust.
04
Split without losing track
Assign receipt items to friends, share a link so they can see their share, and keep each repayment connected to the original expense.
05
Understand your habits
Panda Health turns spending, saving, budget control, and tracking consistency into one useful monthly signal.
06
Stay ahead of every bill
Schedule recurring payments, get notified before they are due, and record the transaction when you mark them paid.
Panda AI
From real life to your ledger.
In seconds.
Camera
Turn a receipt photo into the merchant, date, line items, tax, and total, ready for you to check.
Statement
Import a bank or credit-card PDF and review its transactions together instead of entering them one by one.
Voice & text
Describe a purchase naturally by voice or text and Panda AI fills in the transaction details.
On your phone
Install Panda Lite and the text reader runs on the device itself — offline, free, and nothing to send anywhere. Available on supported phones.
Panda AI does the tedious first pass. You stay in control: check every detail before anything is added to your ledger.
Stay ahead
See trouble while there is time to act.
Panda Money turns your records into useful signals: how the month is going, where spending is running high, and which payment is coming next.
Panda Health
Turn your habits into a clear signal.
See spending discipline, budget control, saving habits, and consistency come together in a 0–100 monthly score, with a panda mood you can understand at a glance.
Spending limits
Know when you are nearing the line.
Set a limit by category, choose when to be alerted, and see exactly how much remains. Refunds restore the right amount automatically.
Reminders
Make every due date easier to remember.
Schedule recurring payments, get a reminder before they are due, and add each one to your ledger as soon as you mark it paid.
Split bills
Split the total without losing the story.
Scan an itemized receipt, assign each line to the right person, and track who has paid you back. Repayments stay linked to the original expense, so reports and limits reflect what the outing actually cost you.
Assign
Give each receipt line to the people who shared it. Item discounts, whole-order discounts, tax, and service all land where they belong.
Share
Send one link. Everyone sees their own share and your payment QR — no account, no app install.
Settle
They tap "I have paid", you confirm in the app, and the repayment links back to the original expense.
Auto-capture
Your bank already tells you.
Let Panda listen.
Most spending already arrives as a notification. Panda reads the ones you allow and prepares the transaction, so logging turns into approving.
Step 01
You choose the apps
Pick exactly which apps Panda may read. Everything else stays invisible to it, and you can change the list any time.
Step 02
Alerts become drafts
A payment notification turns into a draft: amount, direction, and the wallet you linked to that app. It can even spot the bill it pays.
Step 03
You have the final word
Drafts wait in your review inbox. Nothing reaches your ledger until you approve it.
Android only · Off by default · You approve every entry
Payment alert
Card ending 4021 was charged 248.00 at Riverside Coffee.
Panda reads it
☕
Riverside Coffee
−248.00
Review and add
Dismiss
Make it yours
Make money management feel like yours.
Choose from 8 themes and 19 typefaces. Unlock the premium ones with Bamboo you can earn by building the simple habit of tracking your money.
Panda Panda Panda Night 
Panda Night 
Bamboo Garden 
Bamboo Garden 
Coffee House 
Coffee House 
Arcane Academy 
Arcane Academy 
Grand Line 
Grand Line 
Terminal Panda 
Terminal Panda 
Terminal Classic 
Terminal Classic
Panda 
Panda 
Panda Night 
Panda Night 
Bamboo Garden 
Bamboo Garden 
Coffee House 
Coffee House 
Arcane Academy 
Arcane Academy 
Grand Line 
Grand Line 
Terminal Panda 
Terminal Panda 
Terminal Classic 
Terminal Classic
Panda · Panda Night · Bamboo Garden · Coffee House · Arcane Academy · Grand Line · Terminal Panda · Terminal Classic
Get the app
Start seeing the whole picture.
Download Panda Money free on iOS and Android. Build a clearer view of your money one transaction at a time, with optional Bamboo purchases and no subscription.
App lock
Face ID, Touch ID, or fingerprint plus a PIN, with auto-lock and a masked app switcher.
On-device option
Run the text reader locally so your notes never leave the phone.
No subscription
Free to use. Bamboo unlocks extras and can be earned instead of bought.
Yours to erase
Your data is never sold, and you can delete your account from inside the app.