O01
Onboarding and currency selection
Set your currency and first-run preferences before recording money.
Read the full guideNo matching lessons or pages. Try a shorter term or clear the search.
O
First-time setup
2 step-by-step lessons
O02
Notification permissions and app selection
Enable the notification features you want, then choose which apps Pennie can monitor.
Read the full guideD
Dashboard
18 step-by-step lessons
D01
Your Dashboard explained
Learn your Dashboard totals, balances and charts.
Read the full guideD02
How to add your monthly budget
Learn how to add your monthly budget in Pennie.
Read the full guideD03
How to save your first expense
Learn how to record and review your first expense.
Read the full guideD04
Budget, expenses and net balance explained
Learn what budget, expense and net balance totals mean.
Read the full guideD05
Where your spending goes: category breakdown
Learn how to read your category spending breakdown.
Read the full guideD06
Compare six months with Net trend
Learn how to compare six months with Net trend.
Read the full guideD07
Track savings goals and recorded balances
Learn how to read savings balances and goal progress.
Read the full guideD08
Loans you owe and money owed to you
Learn to separate loans you owe from money lent.
Read the full guideD09
Understand Interest Balances on Dashboard
Learn what Dashboard Interest Balances and configured terms show.
Read the full guideD10
Create a bill or EMI reminder
Learn how to create a bill or EMI reminder.
Read the full guideD11
Edit or delete a payment reminder
Learn how to edit or delete a payment reminder.
Read the full guideD12
Track a subscription in Pennie
Learn how to mark and track a subscription expense.
Read the full guideD13
Edit or stop tracking a subscription
Learn how to edit or stop tracking a subscription.
Read the full guideD14
Find saved expenses and use Reports
Learn to find saved expenses and explore detailed Reports.
Read the full guideD15
Track interest incurred on your loan
Learn to set up loan interest and read accrued debt.
Read the full guideD16
Track savings interest earned
Learn to set up savings interest and read earned interest.
Read the full guideD17
Which loan should you repay first?
Compare two loans using their daily compound interest.
Read the full guideD18
People owe me: interest on money lent
Learn to track accrued interest on money you lend.
Read the full guideT
Transactions
13 step-by-step lessons
T01
Your Transactions page explained
Learn to find and read your saved transactions in Pennie.
Read the full guideT02
Find entries in another month or year
Use the period selector to browse a different month or year.
Read the full guideT03
Show transactions from one day
Narrow a selected month to one day and clear the day filter.
Read the full guideT04
Find a saved transaction with search
Search categories, subcategories, notes and exact amounts in your saved transactions.
Read the full guideT05
Use Budget, Expense, Savings and Debt filters
Separate saved transaction types without confusing movements with spending.
Read the full guideT06
Read daily net and search totals correctly
Understand the difference between daily net and separate flow summaries.
Read the full guideT07
Edit a saved transaction without duplication
Correct an existing saved transaction rather than adding another copy.
Read the full guideT08
Delete a transaction and immediately Undo
Remove a mistaken transaction and restore it with the short Undo opportunity.
Read the full guideT09
Select and delete multiple transactions
Select loaded entries carefully, delete them and understand the Undo batch.
Read the full guideT10
Find a transaction that seems missing
Check filters and saved status before recording a transaction again.
Read the full guideT11
Start scanning a receipt
Choose Camera, Gallery or PDF and understand scanning prerequisites.
Read the full guideT12
Correct and save a scanned bill
Review receipt fields and items, then choose one expense or separate item expenses.
Read the full guideT13
Attach receipts without duplicates
Attach a scanned receipt to an existing saved payment instead of recording it twice.
Read the full guideA
Add Transaction
20 step-by-step lessons
A01
Your Add Transaction form explained
Learn the Add Transaction form before recording your next payment.
Read the full guideA02
Record your first everyday expense
Record an everyday expense and check that it was saved once.
Read the full guideA03
Record Budget or income
Record income using Budget without counting the same money twice.
Read the full guideA04
Categories, subcategories and notes
Give a transaction meaningful details before saving it.
Read the full guideA05
Check amount, currency and transaction date
Enter the correct amount and date in the displayed base currency.
Read the full guideA06
Mark Essential or Non-essential spending
Apply the right spending flag to an ordinary expense.
Read the full guideA07
Add money to a tracked savings goal
Record a Savings Credit and understand the resulting tracked balance.
Read the full guideA08
Withdraw money from tracked savings
Record a Savings Debit without misclassifying it as an ordinary purchase.
Read the full guideA09
Borrowing and starting principal
Record a Debt Loan in a You-owe category and distinguish initial principal from extra borrowing.
Read the full guideA10
Record a loan or EMI repayment
Record an actual debt repayment and understand its calculated allocation.
Read the full guideA11
Record money lent to another person
Record a Debt Loan in an Owe-you category without confusing it with your own borrowing.
Read the full guideA12
Record money collected from a borrower
Record a repayment in an Owe-you category and reduce the tracked receivable.
Read the full guideA13
Record a transfer from Savings
Record both legs of a Savings transfer without adding ordinary income or spending.
Read the full guideA14
Mark a paid subscription transaction
Tag an actual subscription payment without scheduling merchant charges.
Read the full guideA15
Set a smart reminder with a transaction
Choose a reminder subject, frequency, start date and time.
Read the full guideA16
Review manual details, Save or Cancel
Check a manually entered transaction and understand what Save and Cancel do.
Read the full guideA17
Historical interest changes
Understand Yes, No and Cancel when a dated change affects posted interest.
Read the full guideA18
Save a notification with Add Transaction
Read the bank and Pennie notifications, then review and save through the ordinary transaction form.
Read the full guideA19
Save a suggested expense with AI Review
Read the bank message and Pennie's suggestion, correct its fields and save through AI Review.
Read the full guideW01
Share an SMS to Pennie
Share one finance message from your SMS app when you want to add it deliberately. Pennie parses the shared text and opens an editable transaction.
Read the full guideC
Categories
25 step-by-step lessons
C01
Your Categories page explained
Learn where to set up expense categories, savings and debt in Pennie.
Read the full guideC02
Choose the right category
Understand built-in versus custom categories, then choose Expense, Savings or Debt.
Read the full guideC03
Unlock custom categories
Learn how the category unlock works, including cancel, reward, expiry and ad-free access.
Read the full guideC04
Create an expense category
Create Pet care with an icon and Expense purpose, then find it in the transaction picker.
Read the full guideC05
Search and find a category
Find custom, built-in and disabled categories without changing your allocation totals.
Read the full guideC06
Edit name and icon safely
Edit a custom category while preserving its identity and saved history; Cancel leaves no write.
Read the full guideC07
Record the monthly budget
Add actual income through the budget entry route, then return to Categories.
Read the full guideC08
Set category spending limits
Set built-in and custom expense limits after recording a monthly budget.
Read the full guideC09
Understand budget allocation
Read monthly income, allocated limits and the amount left to allocate.
Read the full guideC10
Change or clear spending limits
Increase, reduce or clear an expense limit and check the refreshed plan.
Read the full guideC11
Create a savings goal
Set up Emergency fund with opening balance, monthly contribution and overall goal.
Read the full guideC12
Opening balance and starting principal
Understand initial-funding precedence and avoid counting the same principal twice.
Read the full guideC13
Set up interest-bearing savings
Choose Interest growth, valid terms and tracking start for your savings.
Read the full guideC14
Track money you owe without interest
Set up Debt, You owe, an opening balance and repayment target.
Read the full guideC15
Personal-loan compound-interest setup
Configure an illustrative 14 percent annual compound loan, then inspect tracked interest.
Read the full guideC16
Credit-card compound-interest setup
Configure Debt, You owe and Credit card with illustrative compound terms.
Read the full guideC17
Money lent and collection interest
Track a receivable with Owe you and distinguish accrued interest from cash collected.
Read the full guideC18
Simple versus compound interest
Compare exact posted results from the production dated-interest calculation.
Read the full guideC19
Cadence, tenure and tracking start
Choose a supported cadence and valid tenure, then check the tracking start.
Read the full guideC20
Carry balance forward
Compare the actual monthly Reports projection while keeping saved full balances and history intact.
Read the full guideC21
Exclude from Dashboard totals
Exclude a savings or debt tracker from aggregate totals without deleting it.
Read the full guideC22
Pause and resume protected interest
Change supported modes without rewriting posted terms or inventing paused interest.
Read the full guideC23
Delete an unused custom category
Confirm or cancel deletion of a custom category with no saved transactions.
Read the full guideC24
Disable and enable a used category
Hide a used category from future entry while preserving saved history.
Read the full guideC25
Common questions and missing categories
Resolve search, disabled, access and validation issues without creating duplicate categories.
Read the full guideR
Reports and Excel
32 step-by-step lessons
R01
Find your way around Reports
Learn where to read your saved finances on Pennie's Reports page.
Read the full guideR02
Choose a reporting month
Learn how to choose a reporting month on Pennie's Reports page.
Read the full guideR03
Review a Monday-to-Sunday week
Learn how to review a Monday-to-Sunday week on Pennie's Reports page.
Read the full guideR04
Review a calendar year
Learn how to review a calendar year on Pennie's Reports page.
Read the full guideR05
Choose custom reporting dates
Learn how to choose custom reporting dates on Pennie's Reports page.
Read the full guideR06
Filter essential and non-essential spending
Learn how to filter essential and non-essential spending on Pennie's Reports page.
Read the full guideR07
Read Income, Expenses and Net
Learn how to read Income, Expenses and Net on Pennie's Reports page.
Read the full guideR08
Understand At a glance
Learn how to understand At a glance on Pennie's Reports page.
Read the full guideR09
Find your largest spending categories
Learn how to find your largest spending categories on Pennie's Reports page.
Read the full guideR10
Open the transactions behind a category
Learn how to open the transactions behind a category on Pennie's Reports page.
Read the full guideR11
Read savings period activity
Learn how to read savings period activity on Pennie's Reports page.
Read the full guideR12
Read debt period activity
Learn how to read debt period activity on Pennie's Reports page.
Read the full guideR13
Read monthly budget warnings
Learn how to read monthly budget warnings on Pennie's Reports page.
Read the full guideR14
Understand savings goals and carry-forward
Learn how to understand savings goals and carry-forward on Pennie's Reports page.
Read the full guideR15
Read repayment and collection goals
Learn how to read repayment and collection goals on Pennie's Reports page.
Read the full guideR16
Find expensive days in Trends
Learn how to find expensive days in Trends on Pennie's Reports page.
Read the full guideR17
Compare monthly and longer history
Learn how to compare monthly and longer history on Pennie's Reports page.
Read the full guideR18
Read the Trends breakdown chart
Learn how to read the Trends breakdown chart on Pennie's Reports page.
Read the full guideR19
Compare selected categories
Learn how to compare selected categories on Pennie's Reports page.
Read the full guideR20
Search categories and subcategories
Learn how to search categories and subcategories on Pennie's Reports page.
Read the full guideR21
Read savings interest and balance trends
Learn how to read savings interest and balance trends on Pennie's Reports page.
Read the full guideR22
Read loan interest and debt trends
Learn how to read loan interest and debt trends on Pennie's Reports page.
Read the full guideR23
Read credit-card bill trends
Learn how to read credit-card bill trends on Pennie's Reports page.
Read the full guideR24
Export one to six months
Learn to create a local Excel report for one to six calendar months.
Read the full guideR25
Choose Excel currency and filters
Learn to focus the Excel workbook by currency, month and saved-record filters.
Read the full guideR26
Compare Excel budget and actual
Learn to compare recorded spending with current category budgets in Excel.
Read the full guideR27
Read recorded subscriptions in Excel
Learn to review saved subscription payments in the Excel report.
Read the full guideR28
Read savings and debt activity
Learn to distinguish savings movements, borrowing and repayments in Excel.
Read the full guideR29
Save privately and cancel safely
Learn to protect exported reports and recognize save, cancellation and failure.
Read the full guideR30
Answer common Reports questions
Learn how to answer common Reports questions on Pennie's Reports page.
Read the full guideW04
Understand Reports recommendations
Reports can show recommendations from the same Prayo catalog used by More apps. These are separate from network advertising.
Read the full guideW06
Reports on older Pennie versions
The old Reports access screen remains for compatibility, but current local Reports is free to open. New monthly AI report generation is retired. Compatibility support remains for previous stored reports and their links.
Read the full guideS
Settings
57 step-by-step lessons
S01
Find your way around Settings
Find your way around the Settings page.
Read the full guideS02
Sign in and recover your account session
Sign in and recover your account session.
Read the full guideS03
Switch account or sign out safely
Switch account or sign out safely.
Read the full guideS04
Understand account deletion before confirming
Understand account deletion before confirming.
Read the full guideS05
Share referrals and read ad-free expiry
Share referrals and read ad-free expiry.
Read the full guideS06
Choose regular Premium or AI Premium
Choose regular Premium or AI Premium.
Read the full guideS07
Restore purchases and manage subscriptions
Restore purchases and manage subscriptions.
Read the full guideS08
Choose the base currency
Choose the base currency.
Read the full guideS09
Choose a readable number format
Choose a readable number format.
Read the full guideS10
Set the financial year start
Set the financial year start.
Read the full guideS11
Choose light, dark or system theme
Choose light, dark or system theme.
Read the full guideS12
Select bank-message languages
Select bank-message languages.
Read the full guideS13
Understand Android notification access
Understand Android notification access.
Read the full guideS14
Choose which notification apps Pennie monitors
Choose which notification apps Pennie monitors.
Read the full guideS15
Find finance-message review and manual entry
Find finance-message review and manual entry.
Read the full guideS16
View or reset learned notification categories
View or reset learned notification categories.
Read the full guideS17
Clean up old captured notifications safely
Clean up old captured notifications safely.
Read the full guideS18
Enable or withdraw cloud AI permission
Enable or withdraw cloud AI permission.
Read the full guideS19
Understand AI usage and allowance
Understand AI usage and allowance.
Read the full guideS20
Set notification suggestions and confidence
Set notification suggestions and confidence.
Read the full guideS21
Configure AI-paid automatic saving
Configure AI-paid automatic saving.
Read the full guideS22
Open Scan bill with the right privacy choices
Open Scan bill with the right privacy choices.
Read the full guideS23
Delete AI data without deleting your ledger
Delete AI data without deleting your ledger.
Read the full guideS24
Pause Pennie alerts without stopping capture
Pause Pennie alerts without stopping capture.
Read the full guideS25
Choose expense prompts or pending-review digests
Choose expense prompts or pending-review digests.
Read the full guideS26
Set budget warning thresholds and categories
Set budget warning thresholds and categories.
Read the full guideS27
Set bill, EMI and subscription advance reminders
Set bill, EMI and subscription advance reminders.
Read the full guideS28
Choose savings contributions, milestones and interest alerts
Choose savings contributions, milestones and interest alerts.
Read the full guideS29
Schedule daily check-ins and pending-only reminders
Schedule daily check-ins and pending-only reminders.
Read the full guideS30
Schedule weekly and monthly local recaps
Schedule weekly and monthly local recaps.
Read the full guideS31
Set quiet hours for your own routine
Set quiet hours for your own routine.
Read the full guideS32
Choose lock-screen privacy for Pennie alerts
Choose lock-screen privacy for Pennie alerts.
Read the full guideS33
Check sound, banners and a test alert
Check sound, banners and a test alert.
Read the full guideS34
Check backup access and connect Google Drive
Check backup access and connect Google Drive.
Read the full guideS35
Create a manual Google Drive backup
Create a manual Google Drive backup.
Read the full guideS36
Schedule automatic backups over Wi-Fi
Schedule automatic backups over Wi-Fi.
Read the full guideS37
Choose and verify a Drive backup to restore
Choose and verify a Drive backup to restore.
Read the full guideS38
Export a complete encrypted local backup
Export a complete encrypted local backup.
Read the full guideS39
Import a local backup on an empty device
Import a local backup on an empty device.
Read the full guideS40
Clean up older Google Drive backups
Clean up older Google Drive backups safely.
Read the full guideS41
Delete all Pennie Google Drive backups
Understand deleting all Pennie Google Drive backups.
Read the full guideS42
Export a local Excel report from Settings
Export a local Excel report from Settings.
Read the full guideS43
Protect opening Pennie with device authentication
Protect opening Pennie with device authentication.
Read the full guideS44
Estimate a loan payment or tenure
Estimate a loan payment or tenure.
Read the full guideS45
Compare loan step-ups and prepayments
Compare loan step-ups and prepayments.
Read the full guideS46
Plan a recurring deposit
Plan a recurring deposit.
Read the full guideS47
Plan a fixed deposit and estimate maturity
Plan a fixed deposit and estimate maturity.
Read the full guideS48
Review the Privacy Policy and Terms
Review the Privacy Policy and Terms of Use.
Read the full guideS49
Find version, help and support
Find version, help, support and subscription management.
Read the full guideS50
Browse the roadmap and search ideas
Browse the roadmap and search ideas.
Read the full guideS51
Draft an idea or a private bug report
Draft an idea or a private bug report.
Read the full guideS52
Vote or remove your vote
Vote or remove your vote on the community board.
Read the full guideS53
Read or draft a moderated comment
Read or draft a moderated comment.
Read the full guideS54
Find your activity and understand guest identity
Find your activity and understand guest identity.
Read the full guideW02
Review a credit-card statement
A statement describes a card balance and obligation. It is not another purchase, new borrowing or confirmation that you paid the card.
Read the full guideW03
Explore WellSight from Pennie
Browse Prayo's current app catalog and open a supported store listing. Catalog contents are managed centrally rather than fixed into the Pennie app.
Read the full guideW05
Startup retry and safe support
Pennie prepares local services and the database before opening the main tabs. A startup failure must be addressed without assuming the ledger has been lost. Diagnostics are a support-only surface. Developer controls and old test switches are not normal product features or instructions for unlocking paid access.
Read the full guide