Monthly dashboard
Review income, expenses, savings rate, recurring costs and what remains for a selected month or across all time.
Available nowNow in open beta
A clearer picture, feature by feature.
The complete Pennora toolkit follows the same rhythm as the app: understand the month, make a plan, keep future money visible and stay in control of your records.
Available today.
These features are working in the Pennora beta now. Every figure belongs to your account and follows the Money Profile you are using.
See the month clearly.
Start with the numbers that explain where you are before deciding what comes next.
Reports by period
Compare income, spending and saving by month or year, with category, allocation and payment-method breakdowns.
Available nowIncome records
Record salary, freelance work, refunds and other income, including the account where each payment arrived.
Available nowExpenses and recurring bills
Keep one-off spending separate from commitments that repeat automatically until you stop them.
Available nowPlan with the real numbers.
Turn records into decisions without hiding the detail that made the totals.
Budgets versus actual spending
Set monthly category budgets and compare the plan with both one-off and recurring expenses.
Available nowCustom categories
Shape expense categories and subcategories around the way you actually understand your spending.
Available nowPayment methods
Add the banks, cards, cash accounts and services you use, then see how spending is distributed between them.
Available nowStatement import
Upload a CSV, PDF or statement photo, review the extracted rows and confirm only the transactions you want.
Available nowAsk about your money.
Get plain-English answers about your own numbers, without digging through reports.
Nora, your AI assistant
Ask how your spending changed, how close you are to your budgets or what your recurring costs add up to. Nora answers from the Money Profile you are using.
New in betaBudget suggestions
Ask Nora for realistic budgets per category, based on what you have actually spent in recent months.
New in betaRead-only by design
Nora can read your figures but never change them. She receives your first name and a summary of monthly and category totals, not your individual transactions, and does not give financial advice.
Available nowGive future money its own place.
Savings and investments remain visible without being mistaken for everyday spending.
Savings and investments
Record one-off or repeating contributions separately from expenses and include them in what remains.
Available nowISA allowance tracking
Follow UK ISA contributions across the correct tax year and see progress against the annual allowance.
Available nowMoney Profiles
Keep different countries and currencies in separate financial spaces while using one Pennora account.
Available nowKeep control of the record.
Your financial history should stay portable, editable and attached to you.
Secure cloud sync
Use the same account across devices while account-level isolation keeps each user’s records separate.
Available nowAutomatic saving
Changes are saved to your account as you work, with visible save status and retry when a write fails.
Available nowBackup and restore
Download a complete JSON backup and restore it later when you need to recover or move your records.
Available nowSpreadsheet-ready export
Export financial records as CSV for further analysis in Excel or another spreadsheet tool.
Available nowWhat comes next.
These capabilities remain on the roadmap. They are kept separate from the tools available today so the product never promises more than it currently does.
Read-only bank connectionsBeing tested now. Planned for supported UK and Nigerian institutions.
Investment connectionsDirect aggregation where providers and permissions allow it.
Crypto holdingsTrack crypto alongside your other savings and investments.
Start with the financial picture you have today.
Pennora will help you organise it into something useful.
Create your account