Penny vs SpendView

Penny is a portfolio tracker for Muslim investors. It shows whether the stocks you own are halal, why, and what in your portfolio needs attention. Track stocks, ETFs, crypto, gold, real estate, RSUs and retirement accounts in one place. Penny screens supported stocks against AAOIFI-style rules, in the US and on international exchanges by ticker. You can also ask questions like "Is this stock halal?", "Am I too concentrated?" or "Should I rebalance?" and get answers based on your own holdings. You don't need to link a bank or brokerage account. Penny flags halal status, allocation drift, hidden fees, dividends, concentration risk and tax-loss opportunities in plain language. HALAL SCREENING • AAOIFI-style screening for US and international stocks, including Borsa Istanbul, Jakarta, Bursa Malaysia and Tokyo • Three verdicts (Halal, Review, Not Halal) and a 1–5 grade showing how comfortably a stock passes • Rule-by-rule breakdown with the actual figure behind each result • Halal Suitability view that sorts everything you own and explains each holding • Full methodology in the app, including every rule, threshold and known limitation ZAKAT AND PURIFICATION • Zakat Calculator using nisab from the live gold price, 2.5% on zakatable wealth, broken down by asset class • Purification estimate of the dividend income to give away, based on each company's interest income • Alerts when a holding's halal status needs review TRACK EVERYTHING YOU OWN • Stocks, ETFs, crypto, gold, bonds and REITs • Real estate with rental income • RSUs with vesting schedules • Retirement and savings accounts (401k, IRA, ISA and many other countries' account types) • Loans and liabilities, so your net worth is accurate • Add holdings by CSV import, statement scan or by hand ASK PENNY • Ask by text or voice • "Is this stock halal?" shows the screening result and rule breakdown • "Am I too heavy in tech?" checks your actual allocation • "Should I rebalance?" explains your portfolio in plain English • Weekly check-ins and personalized suggestions • Alerts for drift, concentration risk and tax opportunities PRIVACY • No account linking required • Your holdings come from manual entry, CSV or statement scans • Works offline ANALYSIS TOOLS • Investment Checkup with a health score across 4 areas • Fee Analyzer to find costs eating into your returns • Retirement Planner with a 5,000-scenario Monte Carlo simulation • Tax-loss harvesting suggestions • What-If Simulator to test changes before you make them • Concentration risk warnings • Liquidity breakdown showing what you can access quickly • Rebalance Calculator with exact buy and sell amounts for your target allocation • Portfolio health score from 0 to 100 CHARTS AND TRACKING • Interactive allocation chart • Real-time prices for stocks, crypto and gold • Cashflow calendar with dividends and vesting dates • Household net worth for families • Dividend tracker with income projections • Transaction history with cost basis ALERTS • Price alerts on any holding • Dividend and earnings reminders • Portfolio drift warnings • Tax-loss harvesting opportunities • Alerts arrive even when the app is closed PENNY PRO Subscribe for unlimited portfolio guidance, voice conversations, advanced analysis, PDF exports and priority support. Available as a monthly ($6.99/mo) or annual ($29.99/yr) subscription. Payment is charged to your Apple ID at confirmation. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage it in your Account Settings. Terms: https://www.getpenny.org/terms Privacy: https://www.getpenny.org/privacy

Your money, finally clear. SpendView connects to your bank and turns your spending into something you can actually see without receipts, spreadsheets, or typing in every purchase. CONNECT YOUR BANK Link an account from thousands of US banks and credit unions. From that moment on, every new purchase is imported for you, with the merchant name cleaned up and a category already suggested. You stay in control. Imported transactions land in a review inbox and are never silently added to your budget. Swipe away what isn't worth tracking, tap a chip to change a category, or hit Confirm All and be done in seconds. Connect up to 10 accounts, so checking, savings, and credit cards all flow into one picture. BUILT TO SHOW ONLY WHAT MATTERS SpendView doesn't dump years of history on you. It starts from the day you connect and moves forward, so your first week is your actual spending, not a wall of old statements you'll never review. Transfers between your own accounts and credit card payments are filtered out automatically, so moving money doesn't get counted as spending. Transactions appear once they've posted at your bank, which means the amount you approve is the final one. No pending charges that change later. OR JUST SAY IT Not everything comes from a linked account. Like cash purchases for example. Say "coffee at Starbucks, five dollars" and SpendView works out the amount, the merchant, and the category. Cash, splitting with a friend, the farmers market, logged in the time it takes to say it. SEE WHERE IT ACTUALLY GOES • Categories that match how you really spend • Monthly budgets with progress at a glance • Charts that make the pattern obvious • Everything in one place, always current PRIVACY AND SECURITY Bank connections are handled by Plaid, the service trusted by thousands of financial apps. SpendView never sees or stores your bank login, account numbers or routing numbers. You can disconnect any account at any time, and doing so removes SpendView’s connection to it completely. SpendView requires a subscription. Bank connection and auto-import are included. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://getspendview.app/privacy-policy