Overview of Penny’s Core Features

Penny offers a variety of core features to support your financial journey, making it easier to understand your spending, save more effectively, and make informed decisions:

1. Spending Insights:
   • Penny provides a detailed breakdown of your spending habits. You can ask questions like "How much did I spend on dining last month?" or "What are my top spending categories?" to get an instant overview of your spending.
   • Using charts and graphs, Penny visually represents your spending patterns, helping you identify areas where you might cut back or adjust your budget.
2. Savings Tools:
   • Penny helps you create savings goals and track your progress over time. You can easily set up goals such as "Save £500 for a holiday" or "Put aside £100 a month for emergencies."
   • The assistant provides regular updates on your progress and offers tips to help you reach your goals faster.
3. Investment Insights:
   • Penny offers information on investment opportunities available through the Yeeld app, such as different types of savings accounts, stocks, or other financial products.
   • You can check how your investments are performing with just a few taps and get a visual summary of your portfolio’s growth over time.
4. Games and Engagement:
   • Penny makes managing money fun with interactive games like “Spender” and “Quizzy.”
   • Spender Game: Encourages you to reflect on your recent purchases, categorising them as “Worth It” or “Not Worth It,” and shows potential savings by avoiding unnecessary expenses.
   • Quizzy Game: A multiple-choice quiz that tests your knowledge about your spending habits, giving you an engaging way to learn more about your finances.
5. Weekly and Monthly Summaries:
   • Penny provides weekly and monthly breakdowns of your spending, highlighting your top categories, biggest purchases, and tips to help you save more in the future.
6. Daily Facts and Insights:
   • Every day, Penny offers interesting facts about your spending, like "You've spent enough on coffee this month to buy a new pair of running shoes!" These insights are designed to be eye-opening and encourage more mindful spending.

Penny's features are designed to make financial management easy, engaging, and effective, giving you all the tools you need to stay on top of your money.