Learn how to understand savings goals and carry-forward on Pennie's Reports page.
Find it:Bottom tabs > Reports
Worked examples use sample data, not your account. Reference screenshots show the current app controls in a Windows preview; their example amounts may differ from this lesson. Android system prompts vary by device.
Step 1
Find Savings goals
Find Savings goals
Compare Saved, Target and this month
Carry-forward retains saved history
Savings goals compares saved progress with a configured target.
The category setup does not deposit money.
Monthly progress comes from actual saved movements.
Step 2
Read carry-forward Saved
Read carry-forward Saved
Compare Saved, Target and this month
Carry-forward retains saved history
Emergency fund carries earlier savings forward.
Its Saved amount is six thousand four hundred rupees.
This month's four-hundred-rupee contribution drives monthly progress.
Step 3
Compare monthly-only progress
Compare monthly-only progress
Compare Saved, Target and this month
Carry-forward retains saved history
Monthly savings does not carry earlier balance into this report presentation.
It shows four hundred rupees for this month.
Earlier saved history is retained, not deleted.
Step 4
Keep activity separate
Keep activity separate
Compare Saved, Target and this month
Carry-forward retains saved history
Summary Savings activity is selected-period net movement.
It is distinct from the carry-forward Saved amount.
Neither the goal nor the progress bar is a bank-confirmed balance.
