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FreeExpense tracker

An expense tracker built for UK sole traders

PencePal keeps one ledger of your business spending, the same on your phone, your tablet and the web. Add an expense in seconds, file it where it belongs, and see each month add up as you go.

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The PencePal ledger on a phone: October 2026’s expenses with their totals, and one expense still waiting for a receipt.The PencePal ledger on a phone: October 2026’s expenses with their totals, and one expense still waiting for a receipt.

What it does

Categories that match your tax return

Every account starts with one category for each allowable-expense box on the self-employment pages of a Self Assessment return. Rename them, reorder them or add your own.

Missing receipts, counted

PencePal counts the expenses that still have no receipt, and leaves out the ones you mark as not needing one, such as bank charges.

Search and filter

Find any expense by its details, its dates, how you paid, its category, or whether it has a receipt.

Your payment types

Card, bank transfer, direct debit, standing order and cash to start with, and any others you use.

Yours to take away

Download everything in your account as one file whenever you like, and delete your account and all of it at any time.

Read more

More from PencePal

Free, with Pro

Receipt scanner

Photograph or scan receipts into PencePal and keep each one with its expense. With Pro, PencePal reads the total, date and shop for you.

Free

Expense reports

Turn any tax year, quarter or date range into an expense report PDF: every expense, its receipts, and totals by type and by category.

Pro

Mileage tracker

Log business journeys and let PencePal price each one at HMRC’s approved mileage rates, split at the 10,000-mile threshold, tax year by tax year.

Pro

Spending insights

Charts of your business spending by month, by category and by payment type, with the receipts still missing and your mileage, for any period.