The household money grind
Rent, council tax, leccy and five streaming services — all landing on different days.
Payday to skint with no idea where the middle bit went. (Usually Greggs.)
Most budgeting apps demand your bank login and harvest your data to pay for themselves.
Even the apps meant to save you money want £4.99 a month after the trial.
Put PennyDrop on your home screen
Open it in your browser, tap "Install app", and it's yours — a proper app icon, works fully offline, and every figure stays on your device. iPhone, Android or desktop.
A cheeky little budget brain, built for British life
Payday-to-payday budgeting, ten UK-flavoured spending categories, and advice written with a wink rather than a wagging finger.
Daily safe-to-spend
One honest number every morning, built from your income, bills and payday — so a Tuesday treat never torpedoes the month.
The Money Brain
Daily, weekly and big-picture advice from your real numbers — bill warnings, savings nudges and the occasional raised eyebrow.
Bills & payday aware
Your money month runs payday-to-payday like real life — with council-tax 10-month breaks handled automatically.
The Squirrel Fund
Goal pots for holidays, Christmas and rainy days, no-spend streaks, and a Rainy-Day Radar that checks your cushion covers three weeks of bills.
Deal Hunter
A word-for-word script for haggling your broadband down — plus Fridge Raider, which turns whatever's lurking in the fridge into dinner, costed per serving.
Private by design
No accounts, no server, no analytics — not even third-party fonts. Your figures live on your device, with one-tap backup to a file you keep.
Why is a tech agency giving away an app?
Because it's easier to show you what we build than tell you. PennyDrop is a live, no-strings demonstration of the work we do at No Fear Tech — thoughtful product design, playful copywriting, and engineering that respects the people using it. There's no catch: no ads, no data harvesting, no premium tier waiting to ambush you. Its only job is to be good — and to make you wonder what we could build for your business.
Typical budgeting apps
- Want your bank login and sell "insights" about you
- Free trial, then £4.99 a month forever
- Built for dollars and optimism, not council tax
- Stop working the moment your signal does
PennyDrop
- Free forever — no ads, no tiers, no data collection
- Nothing leaves your device; no bank connection wanted or needed
- Built for British life: payday budgeting, leccy bills, meal-deal maths
- Installs from the browser and works fully offline
The same standard we bring to client work
PennyDrop is an installable progressive web app — the modern way to ship an app without app stores or gatekeepers.
Installable PWA
Installs straight from the browser on Android, iPhone and desktop — no store listing, no 30% commission.
Offline-first
A service worker caches the whole app, so it opens instantly and works with no signal at all.
Privacy by design
All data lives on the device. There's no server and no database — we couldn't peek if we wanted to.
Modern stack
Next.js, TypeScript and Tailwind, compiled to pure static files that load fast on any connection.
Tested & CI'd
Automated smoke tests run on every change before it ships — the boring discipline that keeps things working.
Questions we get asked
Is PennyDrop really free?
Where does my financial data live?
Will it work on my phone?
Can you build something like this for my business?
Try the app. Then imagine yours.
Take PennyDrop for a spin — it's free forever. And if it makes you think "our customers deserve something this good", that's rather the point.
Get PennyDrop free