Penno is based on forecasting. It uses your earnings and expenses to estimate how much money you have available for each monthly period. Penno also shows you where your money is going and monitors the progress of your savings target. Penno is divided into four function pages:


The settings page can be used to edit your profile information and change your password.

You can choose the day you want to start the monthly monitoring on. By default, Penno will monitor your spending from the first of the month until the last.

Penno provides a few commonly used earning and expense categories. You can freely add your own earning and expense categories based on what you want to monitor. The earnings and expenses are displayed per category on the Graphs page.

If you want to restart using Penno from scratch, you can delete all of your data gathered up to that point. Please note that this action cannot be reversed. If you want to stop using Penno altogether, you can also delete your account. In this case, all of your data is deleted from Penno.


Begin using Penno by adding your known earnings and expenses on the Planning page. This will show how much money you have left to spend for each monthly period (budget). The planned earnings and expenses can be singular transactions or repeated daily, weekly or monthly. You can also copy a singular transaction and change its date to schedule another transaction six months from now, for example.

The earnings and expenses on the Planning page are automatically included in the calculations each month so you only have to add them once. If repeated earning or expense transactions are changed later, please be sure to update the information.

The singular earnings and transactions are removed automatically from the Planning page and transferred into the transaction feed on the Situation page according to their dates.

Penno will include the planned earnings and expenses in the calculation of the available sum displayed on the Situation page if they occur during the current monthly period.


The Situation page is the main page of Penno, and is used to monitor daily spending. The page is divided into two tabs:

Transactions: Add your daily spending (everyday expenses) into Penno as close to real-time as possible. This will ensure that you are always aware of how much money you have at your disposal during the current monthly period.

Graphs: The graphs of Penno represent the progress of your expenses and earnings and their category distribution. The graphs are presented month-specifically, so you can also compare the periods.


On the Saving page you can specify a saving target and the saving period. An amount corresponding to the monthly portion of your saving target is automatically deducted from the available sum displayed on the Situation page. This is how Penno helps you reach your target.

Penno predicts and monitors the realization of your saving target. It uses your spending during the monthly period to estimate the feasibility of achieving the target. The final saving is determined at the end of each monthly period.

You can freely change your saving settings later or stop saving altogether. Please note that resetting the saving also removes the saving data collected for the previous monthly periods.


You can use the Notes page to enter singular future earnings and expenses that are still uncertain. After the transactions have been realized, you can transfer them into the transaction feed for the current monthly period.