Step 1
Choose Debt and Repayment
- Choose a You-owe debt category
- Select Repayment, not Loan
- Only record an actual payment
Choose Debt, your You-owe category and Repayment for a payment toward money you owe.
Only record a payment that actually happened. An EMI due reminder is not proof of payment.
Step 2
Enter the payment amount and date
- Example payment: one thousand
- Use the bank-confirmed payment date
- Do not add another expense for the same money
Enter the amount actually paid and its real date; here the repayment is one thousand rupees.
Avoid adding a duplicate ordinary expense for the same debt repayment.
Step 3
Understand interest and principal
- Allocation is calculated presentation
- Posted interest can affect the split
- It is not a bank-confirmed breakdown
Pennie can calculate a repayment allocation between posted interest and principal from its tracked ledger.
That allocation is not a bank-confirmed split and is not extra spending. Our simple sample has interest turned off, so no interest allocation is invented.
Step 4
Review and save once
- Check the final summary
- Use Save, or Cancel to leave it unsaved
- Complete an offered access unlock
Read the You're adding summary before recording this repayment. Check the amount, category and date.
Tap Save once. If the manual-saving access offer appears, use a completed reward or regular Premium access; AI Premium and cloud consent are separate.
Cancel leaves the form unsaved. Pennie records transactions; it does not send money through your bank.
Step 5
Check the saved transaction
- Open Transactions
- Check the recorded amount and details
- Do not enter the same movement twice
Check the saved repayment in the debt view and Transactions.
This verified one-thousand repayment reduces the twelve-thousand tracked debt to eleven thousand.
Use the dedicated interest and historical-change guides when your debt has posted interest.