Comprehensive Financial Management
All the tools you need to manage your wealth effectively
📊 Financial Overview Dashboard
- Net Worth Tracking - Calculate total assets minus debts in real-time
- Cash Flow Summary - Monitor income vs expenses trends
- Property Equity - Track property value and loan balance to see your equity
- Investment Performance - Monitor stocks, ETFs, crypto, and managed funds
- Debt Summary - See all loans, mortgages, and credit cards in one place
- Superannuation Balance - Track retirement savings and growth
✍️ Complete Privacy with Manual Entry
Unlike other apps, PennyNest never connects to your bank. You have complete control:
- Income - Salary, rent, dividends, bonuses
- Expenses - Categorized tracking (housing, food, utilities, leisure, etc.)
- Property - Purchase price, current value, loan amount, equity calculations
- Investments - Shares, ETFs, cryptocurrency, managed funds
- Superannuation - Contributions and growth rate tracking
- Debts - Credit cards, personal loans, mortgages
- Assets - Cars, valuables, business ownership
- Cash Accounts - Savings accounts, term deposits
- Goals - Retirement targets, home savings, debt-free milestones
🔮 Advanced Forecasting & Planning
What-If Scenario Planning
- Create unlimited scenarios: "What if I reduce expenses by 10%?"
- Test income changes: "What if I get a $500/month raise?"
- Model major purchases: "What if I buy a $600K property with $150K deposit?"
- Compare current vs scenario with side-by-side charts
- Save and load scenarios for future reference
- Stack multiple scenarios (Pro tier only)
Sophisticated Forecasting Tools
- Monte Carlo simulations for investment projections
- Inflation-adjusted forecasting
- Superannuation and retirement planning
- Long-term wealth trajectory visualization
📈 Benchmarks & Smart Insights
- Compare your spending against Australian averages (ABS data)
- Identify warning zones when expenses exceed category benchmarks
- Get alerts for low investment rate vs income
- Monitor negative cash flow and get recommendations
- AI-generated tips for improving your financial metrics
🎮 Gamification & Motivation
- Unlock achievements: "Debt Free", "Emergency Fund Complete", "First $100K"
- Track milestones and maintain savings streaks
- Visual goal progress bars with animations
- Celebrate financial wins and stay motivated
👔 Financial Adviser Collaboration (Pro Tier)
- Manage multiple client portfolios from one dashboard
- Shared dashboards with client collaboration
- White-label branding for your practice
- Professional PDF and CSV exports
- Priority support for advisers