Penny: Halal Portfolio Tracker

Is it halal? Check any stock in seconds. Live screening backed by published evidence, a verdict for everything you own, and answers grounded in your actual portfolio.

Penny is the halal-first portfolio tracker that helps Muslim investors understand what they own — not just watch balances move.

Track stocks, ETFs, crypto, gold, real estate, RSUs, and retirement accounts in one place. Check supported stocks against AAOIFI-style rules — US and international markets by ticker — then ask Penny anything: "Is this stock halal?" "Am I too concentrated?" or "Should I rebalance?" — and get a clear answer based on your portfolio.

No bank login. No jargon. Just honest insight into what you own and what needs attention — halal eligibility, allocation drift, hidden fees, dividends, concentration risk, and tax-loss windows.

HALAL INVESTING, BUILT IN • Live AAOIFI-style screening for US and international stocks (Borsa Istanbul, Jakarta, Bursa Malaysia, Tokyo & more by ticker) • Three-tier verdicts — Halal, Review, Not Halal — plus a 1–5 grade showing how comfortably a stock passes • Rule-by-rule breakdown with the actual metric behind each result • Halal Suitability view: everything you own categorized, with the reason per holding • Published methodology: every rule, threshold, and limitation documented in the app

ISLAMIC FINANCE TOOLS • Zakat Calculator — nisab from the live gold price, 2.5% on zakatable wealth, clear breakdown by asset class • Purification — estimate the dividend income to give away, based on each company's interest-income ratio • Compliance alerts when a holding's halal status needs review

TRACK EVERYTHING YOU OWN • Stocks, ETFs, crypto, gold, bonds & REITs • Real estate properties with rental income • RSUs with vesting schedules • Retirement & savings accounts (401k, IRA, ISA & many global types) • Loans & liabilities for true net worth • Import via CSV, scan statements with your camera, or add manually

PORTFOLIO GUIDANCE WITH CONTEXT • Ask Penny anything — text or voice • "Is this stock halal?" — see the screening result and rule breakdown • "Am I too heavy in tech?" — Penny checks your actual allocation • "Should I rebalance?" — get plain-English portfolio context • Weekly check-ins and personalized nudges • Proactive alerts for drift, concentration risk & tax opportunities • Educational guidance in plain language, not generic tips

PRIVACY FIRST • No account linking required • Add holdings manually, by CSV, or by statement scan • Penny is built for privacy-conscious investors who do not want to connect every brokerage account • Works offline

POWERFUL ANALYSIS TOOLS • Investment Checkup — health score across 4 dimensions • Fee Analyzer — find hidden costs eating your returns • Retirement Planner — Monte Carlo simulation with 5,000 scenarios • Tax-Loss Harvesting — find money you're leaving on the table • What-If Simulator — test portfolio changes before making them • Concentration risk warnings (HHI-based) • Liquidity breakdown — know what you can access fast • Rebalance Calculator — set target allocations and get exact buy/sell trades • Portfolio health score — a clear 0–100 snapshot of what to fix

UNDERSTAND YOUR MONEY • Interactive donut chart with tappable segments • Real-time prices from Yahoo Finance, CoinGecko & Finnhub • Live crypto streaming via Binance WebSocket • Cashflow calendar with dividends & vesting events • Household net worth for families • Dividend tracker with income projections • Transaction history with cost basis

SMART ALERTS • Price alerts on any holding • Dividend & earnings reminders • Portfolio drift warnings • Tax-loss harvesting opportunities • Runs server-side — works while your app is closed

PENNY PRO Subscribe to unlock unlimited portfolio guidance, voice conversations, advanced analysis, PDF exports, and priority support. 3-day free trial included.

Available as monthly ($6.99/mo) or annual ($49.99/yr) subscription. Payment charged to your Apple ID at confirmation. Auto-renews unless canceled 24 hours before period ends. Manage in Account Settings.

Terms: https://www.getpenny.org/support Privacy: https://www.getpenny.org/privacy