Penny: Halal Portfolio Tracker

About this app

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

Penny 1.0.4 is our biggest halal screening upgrade yet. SMARTER HALAL VERDICTS • A full "Halal" verdict is now backed by dated, third-party evidence — stocks are confirmed against the published daily holdings of sharia-screened funds, and you can see the source and date in the app • New "Preliminary pass" tier: when a stock passes our measured checks but has no outside confirmation yet, we say exactly that • Funds are recognized wherever you hold them — sharia-mandated funds show as Halal, conventional bond funds as Not Halal, and gold/silver trusts are flagged for review • Market index pages now point to their sharia-screened alternative (S&P 500 → SPUS) A CLEARER HALAL TAB • The Halal screen in Market lists verified funds first, then stocks passing the preliminary screen — every row labeled with its tier BETTER ANSWERS FROM PENNY • Ask "Is this halal?" and Penny explains the actual screening result — the rules, ratios, and evidence behind each verdict ALSO IN THIS RELEASE • Redesigned onboarding, now in 9 languages (English, Türkçe, Deutsch, Español, Français, 日本語, 한국어, Português, 中文) • Real price history in market charts and accurate daily-change figures on every holding • Clearer portfolio suitability view with per-verdict counts As always: Penny's screening is educational — not certification or a fatwa.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Sep 16, 2026 · 1:33 AM Free