How It Works

Track Your Money In 6 Steps!

PennyTrack is a simple, hands-on finance tracker designed to help you understand where your money goes and stay in control—without complicated apps or syncing.

Get PennyTrack

Take a look at the tutorial video of PennyTrack.

Get PennyTrack

Step 01

Make A Copy & Get Started

Open the PennyTrack file:

• Click “Make a copy”
• Start using your own private version

No accounts.
No syncing.
Your data stays with you.

Step 02

Set Up Your Basics

Go to the SETUP section and customize:

• Starting balance
• Income sources
• Expense categories
• Monthly budget limits (optional)

This is a one-time setup.
You can update it anytime.

Step 03

Log Your Income & Expenses

Whenever you earn or spend money:

• Enter the date
• Add a short description
• Choose a category
• Enter the amount

That’s it.
Everything updates automatically.

Step 04

Track Monthly Progress

View your Monthly Overview to see:

• Total income vs expenses
• Remaining budget
• Current balance
• Top spending categories

Know where your money stands
at a glance.

Step 05

See The Big Picture

The Dashboard shows:

• Spending breakdowns
• Monthly trends
• Category comparisons

No formulas.
No manual updates.
Just insights.

Step 06

Close The Month

At month-end:

• Review your totals
• Spot spending patterns
• Reset or duplicate for a new month

Your past data stays saved
for future reference.