Penny: Halal Portfolio Tracker

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