PennyWallet

PennyWallet

A personal finance tracker plugin for Obsidian. Log expenses, income, transfers, credit card payments, and refunds — all stored as plain Markdown tables in your vault.

Documentation: English · 繁體中文

Features

• Finance Overview — monthly income / expense summary, 6-month income/expense chart, and category pie charts
• Transactions — multi-select type filter, category checklist, keyword search, hover actions, inline edit and delete, with sticky subtotals
• Assets — 3 / 6 / 12-month range selector, account balances, net asset trend, savings rate, and asset allocation pie
• Multiple account types — cash, bank account, credit card (with debt tracking)
• Custom categories — add your own expense and income categories
• iOS Shortcuts support — add transactions via URI without opening Obsidian
• Bilingual — English and Traditional Chinese (follows Obsidian language setting)

Installation

Manual

1. Download main.js, manifest.json, styles.css from the latest release
2. Copy them to <vault>/.obsidian/plugins/penny-wallet/
3. Enable the plugin in Settings → Community Plugins

Community Plugin Store

PennyWallet is not yet listed in the Community Plugin Store.

Getting Started

1. Enable PennyWallet — a wallet icon appears in the left ribbon
2. Open Settings → PennyWallet and add your accounts with their current balances (Settings guide · 中文說明)
3. Click the ribbon icon or run Add Transaction from the Command Palette to log your first entry

Transaction Types

Credit card accounts track outstanding debt. Expenses increase the debt; credit card payment transfers reduce it. Refunds are stored as negative expenses and shown as positive expense reversals. Net asset calculation automatically subtracts credit card debt.

Views

Finance Overview

Monthly summary with income, expense, and balance metrics, plus a 6-month income/expense chart and expense/income category pie charts. Each pie legend shows name, amount, and percentage.

Transactions

Full transaction list with multi-select type filter, category checklist dropdown, keyword search, hover actions, inline edit and delete. Header and subtotals stay fixed while the list scrolls.

Assets

Medium-term financial view with a 3 / 6 / 12-month range selector, account balances, net asset trend, savings rate, and asset allocation pie.

Settings

Add, edit, or archive accounts. Manage custom expense and income categories.

Transaction Modal

The transaction form supports refund entries, required-field markers, edit-mode date context, and tag chips. On mobile, tags open in a bottom-sheet multi-select picker with search and inline new-tag creation.

URI Handler

PennyWallet registers the obsidian://penny-wallet URI scheme, allowing external apps — including iOS Shortcuts — to open the transaction form with fields pre-filled.

obsidian://penny-wallet?type=expense&amount=280&category=food&note=Lunch

Supported parameters: type, amount, note, category, wallet, fromWallet, toWallet, date.

→ Full URI Handler & iOS Shortcuts guide

Data Format

Transactions are stored as Markdown tables, one file per month:

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

Each file has a frontmatter cache (income, expense, netAsset) for fast loading, and a plain Markdown table of transactions. The format is compatible with Git sync and Dataview queries.

License

MIT