Learn how to read repayment and collection goals 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 Debt goals
Find Debt goals
You owe: Repaid; owed to you: Collected
Targets do not record payments
Debt goals compares recorded progress with monthly targets.
You-owe debt uses Repaid.
Money owed to you uses Collected.
Step 2
Read Repaid progress
Read Repaid progress
You owe: Repaid; owed to you: Collected
Targets do not record payments
Repaid includes relevant saved repayments and transfer repayments.
The target is a plan, not another recorded payment.
It is not a lender-approved EMI.
Step 3
Read Collected progress
Read Collected progress
You owe: Repaid; owed to you: Collected
Targets do not record payments
Collected describes saved collections from money owed to you.
It is not the same direction as borrowing.
Read the category's goal and progress together.
Step 4
Do not infer lifetime settlement
Do not infer lifetime settlement
You owe: Repaid; owed to you: Collected
Targets do not record payments
Period repayment progress and net activity do not prove all debt is settled.
Outstanding balance has its own calculation.
Reports never contacts a lender to confirm payment.
