ISA Allowance Progress
Income vs Expenses (by month)
Expenses by Category
Left Over Over Time
Expenses by Payment Method
Report
Income vs Expenses vs Invested
Where your money went
Income allocation
Expenses by Payment Method
Add Income
Income Entries
Add Expense
Tick “Repeat monthly” for bills like rent or subscriptions — they auto-count every month until you press Stop. The date becomes the start month.
Recurring Expenses
One-off Expenses
Debt Repayments
Tracked separately from everyday spending, so a credit-card purchase and its later repayment are not counted twice.
Budget vs Actual
Set a monthly budget per category. Budgets apply to every month; the table compares them against what you actually spent (one-off + recurring) in the selected month.
Budget vs Actual by Category
Category Budgets
Add Saving / Investment
Investments & savings are tracked separately from expenses and are deducted from your “Left Over”. ISA contributions count toward the £20,000/year allowance.
Recurring Contributions
One-off Contributions
Import a bank statement
Upload a CSV or PDF export from your bank, or a photo of a paper statement. Pennora reads out the transactions and lets you review, categorise and remove anything before it's added — nothing is saved until you confirm.
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