Morning, Sam
your money’s looking manageable.
Spent this month
RM 0.00
Quick log
Household 🫶
Trips
No trips yet. Foreign spending can gather here when you need it.
Patterns, not judgement
Insights
RM 0.00
No data for this view.
The charts are ready when you are.
Every transaction, easy to find
Ledger
Your ledger is empty.
Log something and it’ll appear here.
Make Penny yours
Settings
Your account
Household admin 🫶
Preferences
Changing home currency only affects new expenses — history keeps the rate from the day you spent. 🔒
Your data
made with 🧡 & questionable spending
What needs paying next
Bills
Bills are reminders for upcoming payments. Log the expense when the payment actually happens.
Upcoming
Nothing due yet.
Add a bill and Penny will surface it on Home.
Keep spending tidy
Categories
Personal
No personal categories yet.
Business
Business labels stay aligned with your SC export.
Personal category
Category
Subcategories
No subcategories yet — add one when it’s useful.
Optional context
Payment methods
Track where money came from when useful, or choose Not tracked.
Your methods
Manage your money things
More
Money
Organize
App
Trip
Expenses
Nothing tagged yet — pick this trip in the add sheet.
Deleting a trip keeps every expense — they just lose the tag.
Catch up in one go
Import statement
Attach a statement PDF or a screenshot of your transaction list. Penny reads every row, skips wallet top-ups so nothing is double-counted, and lets you choose what to keep.
Found
Straight from the app
Feedback
Inbox
Inbox zero 🎉
A guide, not a scold
Budgets
This month
RM 0.00
Monthly guide
Category budgets
Set an amount per category — spend counts your share, subcategories included.
Money is easier together
Household 🫶
Joint spends 🤝
Nothing shared yet — mark an expense Shared or pay from a joint account.
Sign in with Google to share money with your household.
Where your money lives
Accounts
Account tracking is off.
Penny stays a simple expense tracker until you switch it on below.
Balances
No tracked accounts yet.
Add one when you want Penny to follow a balance.
Recent account activity
Transfers and corrections will appear here.