Penny Keeper is a set of plain-English money tools for an Irish household: what you really take home, where
it goes, what you owe, and what you could claim back from Revenue. It runs entirely in your browser from a
single HTML file - no account, no server, nothing uploaded. Open index.html and it works, offline, on a
phone or a laptop.
What it does
Money in and out
- Take-home pay - enter a salary and see PAYE, PRSI and USC worked out for 2022 to 2027, with the right
standard rate band and credits for your situation (single, single parent, married, both working), pension,
AVCs, benefit-in-kind and a bonus. A pay-rise calculator shows how much of an extra euro you keep, and
What Budget 2027 means for you runs your pay through next year's figures.
- Bills & budget - bills at any frequency from weekly to annual, shown as weekly, monthly and yearly
figures. Savings are kept apart from bills. Shared bills can be split three ways: by share of net income, by
percentages you choose, or so everyone is left with the same spending money each week. A year ahead view
shows which months yearly bills like motor tax and insurance land in. Common Irish bills can be added in a tap.
- Disposable income - what is left after bills and savings, and where it goes. Keep a list of subscriptions
(streaming, a gym, an AI plan), log meals out, takeaways and treats as they happen, and see each month by
category and per person, with anything shared split the same way as your joint bills.
- Spending - import a CSV statement from your bank, teach it your categories with simple rules, and see
real spending against your budget. Duplicates are skipped when you re-import.
- Renewals and Bill history - when contracts end so you can switch in time, and what bills really cost
month by month.
Saving and borrowing
- Savings & goals - an emergency fund target, goals with a date that become a monthly amount, savings
accounts with a projection, and money taken out logged against the month it happened.
- Loans - daily-interest amortisation, overpayments and lump sums, with the interest saved and what you
still owe today.
- Mortgage - built around Irish conventions: fixed rates rolling onto a follow-on rate, the repayment
re-solved when the rate changes, overpayments that shorten the term, statements that keep the balance honest.
- Net worth - what you own minus what you owe, with savings, loans and the mortgage pulled in
automatically and snapshots that build a chart over time.
Irish tax help
- Credits & reliefs - every credit Revenue lists for the year, grouped, with the amounts and a confirm
these on revenue.ie reminder; health expenses; remote working and tuition fee relief; pension relief
headroom; a year-end checklist. Credits and reliefs that come back after the year ends are shown as an
estimated refund, kept out of your monthly take-home.
More tools
- Electricity - upload your smart-meter file and compare day/night/peak and flat tariffs against what you
actually used.
- Accounts & payees - bank accounts and the people and companies you pay, with IBANs masked and checked.
- Maternity leave - plan the cash flow of a period of leave: State benefit, employer top-up, what is left.
On by default; switch it off in Backup & settings if you do not need it.
- Budget tracker - plan and track a renovation, a wedding or a build: stages and items with a budget and
an actual cost, funding sources, a forecast, and how much is left. Files from the standalone Budget Tracker
import unchanged.
- Payslips - type in your payslip box by box and get a plain-English explanation of every number on it:
what it is, how it was worked out with your figures, and whether the sums agree. It is a builder, not a
scanner: nothing is read from a file. The payslip is drawn from SVG shapes in a layout you pick (the first
follows the Sage Payroll layout), tapping a box explains it, and you can save payslips as history, start the
next one with the year-to-date figures carried forward, compare with the last one, and download one as an SVG.
When Set-up has more than one person, a row of names at the top of the page switches between them: each person
has their own saved payslips and their own unfinished one.
- Cost of owning - plan a big spend with long-term effects, such as a car or a home upgrade, and see the net
result. List what it costs (the price, interest on a loan, insurance, fuel, servicing, a part replaced every few
years) and what it saves or earns (bus fares you stop paying, fuel saved, hours of your time, grants, a lower
mortgage rate from a better BER, what it sells for later). You get a headline answer, a year-by-year chart with the
point where it pays for itself, where the money goes, and how far the answer moves if you are a bit off. Plans
start from a template or a worked example, are saved as you type, and can be copied and compared side by side.
Backup & settings - download everything as one file and restore it, export a workbook (.xlsx) or CSV,
start a new tax year with your bills carried over, or make a what-if copy of a year.
Made to be easy to pick up
- A welcome screen, a five-step Set-up guide (hide it from the menu once you are done, and bring it back in
Backup & settings) and a short tour.
- Boxes the maths is waiting on are outlined in amber, with a count at the top of the page.
- A ? tooltip beside most labels, a "How this page works" panel on every page, and a built-in glossary.
- A menu grouped by what you want to do, each item with a one-line description. Fold it away on a big screen.
- Works on a phone (bills turn into cards, a slide-out menu), in light and dark, with keyboard focus
throughout, and prints cleanly.
This is the beginning of the README. Read the rest at the original. Read the full README ↗
