# Penny: Halal Portfolio Tracker — Muslim Investing & Zakat > AI-driven portfolio tracker and financial insights for personal investments. (iPhone/iPad app by Hulya Masharipov.) - Source: https://appshunter.io/ios/app/penny-halal-portfolio-tracker/id6758650986 (this page in markdown: same URL + `.md`) - Developer: [Hulya Masharipov](https://appshunter.io/developer/1866500713) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 71 MB - Languages: American English - Released: 2026-03-17 - Data updated: 2026-09-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/penny-halal-portfolio-tracker/id6758650986/reviews.md ## What is Penny? 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 ## Key features - AI portfolio analysis - Track stocks, crypto, real estate, retirement accounts - No account linking required - Hidden fee identification - Tax-loss harvesting opportunities - Retirement planning simulation - Plain-English financial guidance ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Penny Pro (Monthly) | $6.99 | per month | | Penny Pro (Annual) | $49.99 | per year | ## Frequently asked questions about Penny ### What is Penny's subscription cost? Penny offers two subscription plans: Penny Pro (Monthly) for $6.99 per month and Penny Pro (Annual) for $49.99 per year. Both plans include a 3-day free trial. ### Does Penny require linking brokerage accounts? No, Penny is built for privacy and does not require account linking. You can add holdings manually, via CSV import, or by scanning statements with your camera. ### What types of assets can Penny track? Penny can track a wide range of assets including stocks, ETFs, crypto, gold, bonds, REITs, real estate with rental income, RSUs, retirement accounts (401k, IRA, ISA), and loans/liabilities. ### How does Penny provide financial insights? Penny uses AI to analyze your portfolio and provides plain-English answers to your questions, such as "Am I too heavy in tech?" or "Should I rebalance?" It also offers proactive alerts for drift, concentration risk, and tax opportunities. ### What analysis tools does Penny offer? Penny includes tools like an Investment Checkup, Fee Analyzer, Retirement Planner with Monte Carlo simulation, Tax-Loss Harvesting finder, What-If Simulator, and a Rebalance Calculator. ### Is Penny available on multiple devices? Based on the available data, Penny is supported on iPhone and iPod devices. ### How often is Penny updated? The latest version of Penny is 1.0.2, and it was last updated on June 30, 2026. This indicates a recent update, suggesting ongoing development and support. ### What is the age rating for Penny? Penny has an age rating of 4+, making it suitable for a broad audience of users. ## Version history (last 5 releases) ### 1.0.4 — 2026-08-28 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. ### 1.0.3 — 2026-08-11 • Zakat Calculator — nisab from the live gold price, breakdown by asset class • Purification — estimate the dividend income to cleanse, per holding • Three-tier halal verdicts (Halal / Review / Not Halal) with a 1–5 screening grade • International screening — check stocks on Borsa Istanbul, Jakarta, Bursa Malaysia, Tokyo & more by ticker • Halal Suitability view — your whole portfolio categorized at a glance • Invite friends: you both get 7 days of Penny Pro free • Full screening methodology now documented in the app ### 1.0.2 — 2026-06-30 • Refreshed iOS 26 "Liquid Glass" design, with a polished dashboard and reports • Share your portfolio to Instagram Stories + rate Penny from your profile • Smoother free trial with clearer pricing and more generous limits • Friendlier onboarding • New app icons, performance improvements, and bug fixes ### 1.0.1 — 2026-05-13 What's New in 1.0.1 This is a big one. Three things you'll feel immediately: 1. SHARIA / HALAL COMPLIANCE — NOW LIVE Tap any US stock to see if it passes AAOIFI screening: industry check + debt-to-market-cap, cash ratio, receivables, and interest income. Each rule shows pass/fail with the actual number. First iOS portfolio tracker to ship live screening. 2. PENNY NOW SPEAKS YOUR LANGUAGE Pick English, Turkish, German, or Spanish in Profile. Penny answers in that language — tickers and dollar amounts stay as-is. Set once, applies everywhere. 3. SMARTER UPCOMING EVENTS Grouped by Today / This Week / Next Week / Looking Ahead. Now shows dividend ex-dates and upcoming IPOs, not just earnings and Fed meetings. Color-coded by event type. ALSO NEW • Browse the full S&P 500 in the market hub (was 163 stocks) • "Halal" filter alongside Stocks / Crypto / ETFs • Typewriter reveal in Ask Penny — easier to read along • Faster chat responses, sharper analysis where it matters • Stock details now show a Halal badge with the screen breakdown FIXES • App no longer crashes at launch on some devices • Duplicate "trial ended" notifications stopped • Headings now readable on dark mode across every screen • Added "Use a different account" link on the paywall — switch logins without deleting the app • Cleaner sign-in flow on dark mode ### 1.0 — 2026-03-17 No release notes. ## More apps by Hulya Masharipov - [ToddlerBites: Toddler Recipes](https://appshunter.io/ios/app/toddlerbites-toddler-recipes/id6757379526) - [Islamic Fasting Calendar](https://appshunter.io/ios/app/islamic-fasting-calendar/id6758569733) - [Parla: AI Speech Coach](https://appshunter.io/ios/app/parla-ai-speech-coach/id6765897803) - [Purrfect Blocks: Cat Rescue](https://appshunter.io/ios/app/purrfect-blocks-cat-rescue/id6787112922) - [Terravel: Geography Quiz Game](https://appshunter.io/ios/app/terravel-geography-quiz-game/id6787954216) All apps by Hulya Masharipov: https://appshunter.io/developer/1866500713 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*