Personal finance · In black & white

Your money,
in black and white.

Panda Money is a calm, AI-assisted ledger for wallets, budgets, and everyday spending — designed to be read at a glance, not managed like a spreadsheet.

See it in every theme ↓

Panda Money home screen in the Panda Night theme, showing total balance, wallets, and the Panda Health score

1K+

downloads and counting

themes to live in

20+

typefaces to write in

100

point health score

The essentials

A ledger that keeps itself.

Every balance, limit, and reimbursement stays connected — so the numbers you glance at are always the truth.

Wallets in step

Cash, bank, cards, and savings across currencies — balances stay current with every transaction, transfer, and refund.

Frictionless capture

Type it, speak it, snap it, or paste it. Every entry lands in one focused review flow before it touches your ledger.

Limits before surprises

Set spending limits per category and get a quiet nudge before the month gets uncomfortable — not after.

Bills, split cleanly

Scan an itemized receipt, assign items to friends, and keep every reimbursement tied to the original spend.

Panda Health

Spending discipline, budget control, saving habit, and consistency — distilled into one monthly score and one panda mood.

Reminders that follow through

Recurring bills get scheduled and notified, then become real transactions the moment you mark them paid.

Panda AI

Point. Speak. Paste.
Reviewed before saved.

Camera

Receipt photos become merchant, date, items, tax, and total — matched to a wallet and category.

Statement

Bank and credit-card PDF statements become review-ready transaction rows.

Voice & text

Rough notes, spoken or pasted, are shaped into structured transactions.

Everything is reviewed before you save. Your data stays under your control.

Panda AI sheet in the app, offering camera, gallery, voice, and statement capture

Stay ahead

It watches the road, so you don't have to.

Quiet, early signals — a monthly health score, spending limits, and reminders that speak up before a payment sneaks past.

Panda Health

One score. One mood.

Spending discipline, budget control, saving habit, and consistency roll up into a 0–100 monthly score — and a panda whose mood tells you how the month is really going.

Panda Money home screen showing the Panda Health score card

Spending limits

Warned before, not after.

Set a limit per category, choose your alert threshold, and get a notification while there's still time to change course — refunds even give allowance back.

Panda Money spending limits screen with per-category budgets and usage

Reminders

Bills that keep their word.

Schedule recurring payments, get notified before they're due, and turn each one into a real transaction the moment you mark it paid.

Panda Money reminders screen with upcoming payments and due dates

Split bills

Split the bill, keep the trail.

Scan an itemized receipt, hand each line to a friend, and track who has paid you back. Reimbursements stay linked to the original expense, so your analytics and budgets always reflect what the night out really cost you.

Make it yours