Support

Write to contact@tolgaunal.com. Please mention your device, its system version and the Pennyroot version (Settings › Version).

• Getting started
• Sync
• Left today
• Budgets
• Repeating and bills
• Currencies
• Import and export
• Backup
• App Lock
• Widgets and Watch
• Shared ledgers
• Pro and purchases

On iPhone, Settings is under More. On iPad, it is in the sidebar. On Mac, it is in the Pennyroot menu.

Getting started

How do I set up Pennyroot?

The first time you open Pennyroot, choose your main currency, then add your first account (your bank account or cash, for example) with its balance today. You can also enter a monthly budget, or leave it empty to skip. Add more accounts later under Accounts.

I already use Pennyroot on another device

On the first screen, tap I already use Pennyroot on another device. It appears when iCloud is available. Pennyroot then waits for your accounts and settings to arrive from iCloud instead of creating new ones. On a new device this can take a minute, so keep the app open. Setting up from scratch on a second device would create a duplicate first account and budget.

Sync

My data does not show up on my other device

• Both devices are signed in to the same Apple Account.
• iCloud is turned on for Pennyroot. On iPhone, look in Settings › [your name] › iCloud, in the list of apps that use iCloud.
• In Pennyroot, Settings › Sync says iCloud. If it says This device only, Pennyroot could not open its iCloud storage on this device. Check the points above, then quit Pennyroot and open it again.
• Give it a moment. Open Pennyroot on both devices while they are online. Apple decides when iCloud syncs, so it is not always instant, and the first sync of a large history on a new device can take a few minutes.

Does the Apple Watch need my iPhone nearby?

No. The watch syncs through iCloud on its own, so it keeps working without your iPhone as long as it has an internet connection.

Left today

What is “Left today”?

It is what you can still spend today and stay within your budget. Pennyroot takes what is left in the budget for this period, spreads it evenly over the days that remain (today included) and subtracts what you have already spent today. It never shows less than zero. If the budget is already over, Pennyroot says by how much instead.

Which budget does it use?

The one you mark with Use for “Left today” when you edit a budget, or choose in Settings › Budget for “Left today”. On Automatic, Pennyroot uses your first budget that covers all spending, or else your first budget. Without any budget there is no Left today figure: create one under Budgets.

Budgets

What kinds of budgets can I make?

A budget runs for a week, a month, a quarter or a year. It can cover all your spending or only the categories you pick. With Warn me at, Pennyroot sends a notification when spending passes the share you choose, and another one if the budget goes over.

My month starts on payday

Set Settings › Month starts on day to your payday (any day from 1 to 28). Monthly budgets and reports then run from that day. You can also choose the first day of the week with Week starts on.

What does “Carry over what is left” do?

With it on, money you did not spend in one period is added to the next one, and overspending is taken from it. Carrying over is part of Pro.

Repeating transactions and bills

How do I add a repeating transaction or a bill?

When you add a transaction, turn on Repeat and choose how often. With Add automatically on, each repeat is added on its date. With it off, each repeat waits for you to confirm it on the Overview. Pick a Reminder (on the day, or 1 day, 3 days or 1 week before) to get a notification. All of them are listed under Bills.

My reminders don't arrive

Reminders are notifications that Pennyroot schedules on your device, so it needs permission to send notifications: on iPhone, check Settings › Notifications › Pennyroot. Reminders arrive at 9:00 in the morning. Pennyroot plans them for the next 30 days each time you open it, so open the app now and then.

Currencies and exchange rates

Can I use more than one currency?

Yes, with Pro you can add accounts in other currencies. Totals, budgets and reports are shown in your main currency (Settings › Main currency), converted with the rates in Settings › Exchange rates. The currency of an existing account can't be changed.

Where do the rates come from?

You can type a rate for each currency yourself: the value of 1 unit of that currency in your main currency. With Pro, you can also tap Update from the European Central Bank to fetch the daily reference rates. They are meant for keeping track, not for trading. If a currency has no rate, amounts in it are left out of totals and Pennyroot tells you which currency is missing.

Import and export (CSV)

How do I import a CSV file from my bank or another app?

Go to Settings › Import from CSV › Choose a CSV file. Importing is part of Pro. Pennyroot guesses what each column means from the header row (in English or Turkish), and you can change every column before anything is added. These columns are recognized:

• Date (required): year-month-day, day-month-year or month-day-year. Pick the format if the guess is wrong.
• Amount (signed): negative for spending, positive for income. Or two columns instead, Expense amount and Income amount (headings like Debit and Credit, Paid out and Paid in, Withdrawal and Deposit are understood).
• Expense or income: a type column, if your file has one. You can tell Pennyroot how expenses and income are written in it.
• Account, and for transfers To account and Amount received.
• Category and Subcategory.
• Payee (also Merchant or Description), Note (also Memo) and Tags (separated by commas or semicolons).

Columns such as balance or ID are skipped. The decimal mark (1,234.56 or 1.234,56) is detected for you. Rows that can't be read are listed with the reason. Accounts and categories that don't exist yet are created by name. Importing the same file again skips rows that were already imported, and imported transactions are marked for review in the list.

How do I export my transactions?

Settings › Export and backup › Export transactions as CSV. Exporting is free. The file opens in Numbers, Excel or Google Sheets, and Pennyroot can import it back.

Backup and restore

How do backups work?

Settings › Export and backup › Save a full backup saves everything in one file, wherever you choose. Restore from a backup adds what is missing and brings back your settings. It never deletes or duplicates your records, so restoring the same file twice is safe. Backups are free. The file is not encrypted, so keep it somewhere private.

App Lock and Hide amounts

How do I lock Pennyroot?

Turn on Settings › Lock with Face ID or passcode. Pennyroot locks when you leave it and opens again with Face ID, Touch ID or your device passcode. There is no separate Pennyroot passcode to forget. While App Lock is on, Siri does not read out amounts. App Lock is set separately on each iPhone, iPad and Mac.

What does Hide amounts do?

Settings › Hide amounts replaces amounts with dots in the app and in widgets on that device, which is handy in public. On Mac it is also in the View menu (Shift-Command-H). It is set separately on each device.

Widgets and Apple Watch

A widget or complication shows old numbers

Widgets and complications show a summary that Pennyroot writes on that device whenever something changes. Changes made on another device reach the widget once Pennyroot has received them on this device. If a widget looks out of date, open Pennyroot on that device (on the watch, open it on the watch) and the widgets refresh. The system also limits how often widgets update.

The watch app is empty

The watch gets your data from iCloud. Check that iCloud sync works on your iPhone first (see Sync), then open Pennyroot on the watch while it is online and give it a moment.

Shared ledgers

Can I keep a ledger together with my family or flatmates?

Yes. Open Shared ledgers (iPhone: under More; iPad and Mac: in the sidebar), start a ledger, add its accounts and budgets, then tap Invite people and send the invitation. Everyone in it sees and adds to that ledger, and each entry shows who added it. Your own accounts are never shared. Starting a shared ledger is part of Pro; joining one is free. Everyone needs to be signed in to iCloud.

How do I leave or delete a shared ledger?

Open the ledger and scroll to the bottom. If you started it, you can delete it for everyone. If you joined it, you can leave it: your copy is removed and what you added stays for the others.

Pro and purchases

What is free and what is Pro?

Free: up to 2 accounts, 2 budgets, 1 goal and 3 quick add buttons, accounts in your main currency, and spending by category for this month and last month. iCloud sync, the Apple Watch app, widgets, CSV export and backups are free too. Archived accounts, budgets and goals count toward the free limits.

Pennyroot Pro adds unlimited accounts, budgets and goals, accounts in any currency with daily exchange rates, carrying over what is left, CSV import, reports for any period up to 12 months, more quick add buttons, receipt reading, PDF reports and, on the Mac, read-only access for an AI app you connect. It costs USD 2.99 a month, or USD 19.99 a year with a one-week free trial. Prices vary by country, and the App Store shows the price in your currency before you buy. With Apple Family Sharing, up to five family members can use Pro on their own devices at no extra cost.

I bought Pro, but it isn't showing

Pennyroot checks your App Store purchases when it starts, so Pro usually turns on by itself on any iPhone, iPad or Mac signed in to the same Apple Account. If it doesn't, open Settings › Pennyroot Pro and restore your purchases from there, signed in with the Apple Account you bought with.

How do I cancel?

Subscriptions are managed by Apple. On iPhone, open Settings › [your name] › Subscriptions and choose Pennyroot Pro. While Pro is active, Settings › Pennyroot Pro › Manage subscription in the app takes you there as well. Cancel at least 24 hours before the renewal date to avoid paying for the next period. If you cancel at least 24 hours before the free trial ends, you are not charged.

How do I get a refund?

Refunds are handled by Apple, not by the developer. Request one at reportaproblem.apple.com, signed in with the Apple Account you used to buy.

What happens to my data if Pro ends?

Nothing is deleted. Everything you added stays and keeps working: extra accounts, budgets and goals, accounts in other currencies, budgets that carry over and imported transactions. Until you subscribe again, you can't add more than the free limits, and Pro actions (importing, longer report ranges, turning on carry over, new accounts in other currencies and fetching rates from the European Central Bank) ask you to upgrade.

Contact

Write to contact@tolgaunal.com. Please don't send your financial data or backup files. A short description is enough, and a screenshot taken with Hide amounts on helps.