How to save your first expense

Step 1

Add your first expense

1. Start on Dashboard
2. Tap Add Transaction
3. All amounts and dates are sample data

Let's save a purchase in Pennie.

Our sample Dashboard has thirty thousand rupees of recorded budget and twelve thousand of expenses.

Tap Add Transaction to record a five hundred rupee grocery purchase.

Step 2

Choose Expense and category

1. Select Expense
2. Choose Groceries for this example
3. Choose the purpose, not how you paid

Check that Expense is selected.

Choose the category that describes what you bought; our example uses Groceries.

The selected category is shown here.

A payment method or bank name does not tell you what the purchase was for.

Step 3

Check the amount and date

1. Amount: INR 500
2. Use the actual purchase date
3. Example: 3 October 2026

Enter five hundred in Amount and check the currency symbol.

Use the actual purchase date; our sample is the third of October.

The date decides which month's saved totals include this expense.

Step 4

Add useful detail

1. Sub-category and note are optional
2. Sample note: Weekly groceries
3. Leave Subscription off for this purchase

Scroll to Details and notes.

Add an optional sub-category or note so you can recognize the purchase later.

We use Weekly groceries.

Leave Subscription unmarked for this ordinary one-off purchase; recurring tracking is covered separately.

Step 5

Choose your spending type

1. Find Spending Type
2. Choose Essential or Non-essential
3. Essential is selected in this example

Under Spending Type, choose Essential or Non-essential based on your own purpose.

We mark these groceries Essential.

This is your budgeting judgment, not a bank classification.

You can review it before saving.

Step 6

Review and save once

1. Check Groceries, INR 500, Expense and date
2. Tap Save once
3. Then select Dashboard from Transactions

At You're adding, check Groceries, five hundred rupees, Expense and the date.

Tap Save once.

Saving opens Transactions; select Dashboard to check the result.

A reminder or a captured notification alone is not this saved expense.

Step 7

Check the updated totals

1. Budget stays INR 30,000
2. Expenses become INR 12,500
3. Net becomes INR 17,500

Expenses now total twelve thousand five hundred rupees.

The recorded budget is unchanged, so Net Balance becomes seventeen thousand five hundred.

These are saved-ledger totals, not a live bank balance.

Do not save the same purchase a second time.