Getting Started

Installation

Manual Install

1. Download main.js, manifest.json, and styles.css from the latest release
2. Create the folder <your-vault>/.obsidian/plugins/penny-wallet/
3. Copy the three files into that folder
4. Open Obsidian → Settings → Community Plugins → enable PennyWallet

Community Plugin Store

Search PennyWallet in Settings → Community Plugins → Browse, then install and enable.

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First-Time Setup

Step 1 — Add your accounts

Go to Settings → PennyWallet → Active Accounts and click Add Account.

For each account you have, add an entry with:

• Name — any label you want (e.g. Cash, HSBC Savings, Visa Platinum)
• Type — Cash, Bank, or Credit Card
• Initial Balance — your current balance (for credit cards, enter your current outstanding debt as a positive number, e.g. 3000 means you owe 3,000)

Tip: Add all accounts before logging any transactions, so balances are calculated correctly from the start.

Step 2 — Set a default account

In Settings → PennyWallet → General, choose which account should be pre-selected when you open the Add Transaction form.

Step 3 — Log your first transaction

Click the PennyWallet icon in the left ribbon to open the Finance Overview, then press + Add Transaction.

Alternatively, use these Command Palette commands (Cmd+P):

Command	Action
PennyWallet: Open Finance Overview	Open the dashboard
PennyWallet: Open Transactions	Open the transaction list
PennyWallet: Open assets	Open the assets view
PennyWallet: Add Transaction	Open the transaction form directly
PennyWallet: Refresh views	Refresh all open PennyWallet views

Fill in:

• Type — Expense, Income, Transfer, or Repayment
• Date — defaults to today
• Account — which account to record against
• Category — choose from the list or leave blank
• Note — optional description
• Amount

Press Confirm to save.

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Where data is stored

PennyWallet creates:

<vault>/
├── .penny-wallet.json     ← your config (accounts, categories, settings)
└── PennyWallet/           ← one .md file per month
    ├── 2026-04.md
    └── 2026-03.md

The folder name (PennyWallet by default) can be changed in Settings. See Data Format for details on the file structure.