Once you’ve added some income, expenses and savings to PennyGo, your Dashboard is where you can see how everything fits together.
You don’t need to understand every number or explore every section straight away. Start with three questions: What’s coming up? What needs to happen with my money? And is anything missing from my plan?
PennyGo helps you answer each one.
Start with your Plan Day
On your Dashboard, you’ll see your planning information organised around your chosen Plan Cycle.
You can switch between Current and Upcoming to explore the relevant planning periods.
Your Plan Day section is particularly useful because it turns your financial commitments into practical instructions.
When you’ve provided the necessary income and account information, PennyGo may show:
Funding required: How much your planned commitments need after allowing for amounts already covered.
Already where it needs to be: Money recognised at the correct destination, so it doesn’t need transferring again.
Funds to transfer: The money PennyGo has worked out needs to move between accounts.
Where this money goes: The accounts involved and the suggested transfer amounts.
Left after commitments: Eligible money remaining after your plan’s commitments have been considered.
Not covered: Money your plan still needs but hasn’t been able to fund. You may also see this described as Still to fund elsewhere in PennyGo.
For most Plan Days, the key information is the suggested transfers. PennyGo works out the amounts, and you make the movements through your bank.
If something remains Not covered, it’s worth looking more closely. That figure means part of your plan still needs funding, not that the expense has disappeared or been reduced.
If you haven’t added income details, PennyGo can still show what your commitments require, but it won’t claim to know which accounts should fund them.
See what’s coming up
Further down the Dashboard, What’s coming up shows expenses scheduled over the next 30 days.
This is useful for spotting bills and other commitments approaching soon, even when they don’t all fall on the same date.
For example, you might see your electricity bill, insurance renewal and grocery allowance appearing at different times.
You don’t need to record every payment for your plan to work. If an actual bill differs from what you’ve planned, you can choose to record the new amount.
Keeping important changes up to date helps PennyGo prepare more accurately for what comes next.
Understanding Money Flow
Money Flow gives you a different way to explore your finances.
Rather than focusing on a particular Plan Day, it visually connects the money coming into your plan with the places and commitments it’s intended to support.
You can explore a monthly or yearly view, making it easier to understand the bigger picture.
For example, you might discover that a substantial portion of your planned money supports household bills, while another portion goes towards everyday spending or savings.
Depending on your account and sharing settings, you may also be able to explore the flow for an individual person.
The important distinction is that Money Flow helps you understand your financial arrangements; Plan Day tells you what action is needed.
You don’t need to interpret a diagram to work out your next transfer. That’s what your Plan Day guidance is for.
Explore your Money Timeline
At the top of your Dashboard, you can switch between Overview and Timeline.
Overview is the main Dashboard described above.
Timeline lets you explore planned financial events along a calendar-style journey, including income, expenses, savings and Plan Days.
You can move through different periods and filter the events you want to see.
It’s particularly useful when you’re wondering whether a bill is approaching before your next expected payment, or when several commitments fall close together.
The Timeline shows a mixture of planned and recorded information where available. An expected income payment isn’t confirmation that it has actually arrived.
Where should you focus first?
You don’t need to study your whole Dashboard every day.
On Plan Day, start with the transfers PennyGo recommends and check whether anything is Not covered.
When you’re curious about an upcoming bill, look at What’s coming up or explore the Timeline.
And when you want to understand how your regular income, spending and savings fit together, take a look at Money Flow.
Your Dashboard will become more useful as you add information and keep meaningful changes up to date. Some sections may look different depending on your setup, selected display options and whether you’re viewing a shared plan.
The Dashboard is there to make your money easier to understand, not to give you another set of calculations to manage.