Settings
Open via Settings → PennyWallet in Obsidian.
General
Folder Name
The vault folder where monthly transaction files are stored. Default: PennyWallet
The path is relative to the vault root. Change this if you want transactions stored in a subfolder, e.g. Finance/Ledger.
Note: Changing this setting does not move existing files. Move them manually and update the setting to match.
Default Account
The account pre-selected when opening the Add Transaction form. Choose any active account from the dropdown.
Decimal Places
Controls how amounts are stored and displayed.
| Option | Use case |
|---|---|
| Integer (0 decimals) | Most currencies, NT dollars |
| 2 decimal places | USD, EUR, or when cents matter |
Changing this setting affects new transactions. Existing transactions stored as integers will display without decimals regardless.
Active Accounts
Lists all accounts with status active.
Each row shows:
- Account name and type
- Initial balance and current calculated balance
- Edit button — change name or initial balance
- Archive button (if the account has transactions) or Delete button (if no transactions exist)
Edit an Account
You can change:
- Name — updates all display labels (does not rename transaction records in
.mdfiles) - Initial Balance — retroactively recalculates all balances from inception
Renaming an account does not update the account name stored inside historical transaction files. Old transactions will reference the old name, which may cause balance discrepancies. Avoid renaming accounts that already have transactions.
Archived Accounts
Lists archived accounts. Each row has:
Include in Net Assets toggle — whether this account's balance counts toward net asset calculation. Useful for closed accounts you want to keep in history but exclude from your current net asset total.
Unarchive button — restores the account to Active Accounts status. It will reappear in the Add Transaction form and be fully usable again.
Add Account
Fields:
- Name — unique, cannot be empty
- Type — Cash / Bank / Credit Card
- Initial Balance — current balance (credit card: current outstanding debt)
Click Add Account or press Enter in any field to confirm.
Custom Categories
Add your own expense, income, and transfer categories.
Three sections are available: Expense, Income, and Transfer. Custom categories are shown after the default categories in the Add Transaction form.
Click × on a tag to remove a custom category. This does not affect existing transactions that already used that category — they will continue to display the category name as a raw string.
A category name cannot duplicate an existing default or custom category in either list.