Learn how to read loan interest and debt trends 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
Choose Debt
Choose Debt
Exclude cards and principal
Respect recorded terms and gaps
Choose Debt for ordinary borrowing and money lent.
Daily bars contain only posted ledger interest.
Card principal and repayments are excluded from this interest stack.
Step 2
Read posted interest, not invented daily growth
Read posted interest, not invented daily growth
Exclude cards and principal
Respect recorded terms and gaps
The two ordinary debt categories post two hundred forty rupees on September thirtieth.
Other sample days have no interest postings.
Paused gaps and recorded terms must not be guessed or replayed as fresh history.
Step 3
Read outstanding versus net activity
Read outstanding versus net activity
Exclude cards and principal
Respect recorded terms and gaps
The separate period line follows each category's carry-forward choice.
It distinguishes closing outstanding from monthly increases less repayments.
The two debt directions retain their own recorded movement meaning.
Step 4
Keep plans separate
Keep plans separate
Exclude cards and principal
Respect recorded terms and gaps
Repaid and Collected goals compare saved progress with a target.
A target is not posted interest or a recorded payment.
