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Keeping accurate expense records is one of the most important habits for a sole trader. Penzum gives you two ways to do it: you can enter expenses by hand whenever you make a purchase, or — if you have a bank account connected — let Penzum pull your transactions in automatically so nothing slips through the cracks.

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Manual expense entry

Use manual entry for cash purchases, invoices you pay outside your main business account, or any transaction you want to record right away.
1

Open the Expenses section

In the left navigation, click Expenses.
2

Start a new record

Click the New Expense button in the top-right corner of the page.
3

Fill in the expense details

Complete the form with the following information:
FieldNotes
AmountEnter the value in HUF (Hungarian Forints)
DateDefaults to today; change it to match the actual purchase date
CategoryChoose the category that best fits the expense — see Categories for the full list
NoteOptional — add a supplier name, invoice number, or any other reference
4

Save the expense

Click Save. The record appears immediately in your expense list and is included in your dashboard totals.

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Automatic import via bank connection (Navigator)

If you have connected your bank account, Penzum imports your transactions automatically — outgoing payments appear as expenses without any manual work on your part.

How it works

Once your bank is connected, Penzum fetches new transactions daily. Every outgoing payment is created as an expense record automatically. You only need to review and categorise them.

Assigning categories

Each imported transaction gets a default category. You can leave it as-is or click the transaction row to pick a more specific category — the same options available for manual expenses.
Connect your bank account once and let Penzum handle the data entry. You can then focus on reviewing and categorising rather than typing in every transaction. Head to Bank setup to get started.

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Bank fees as separate expense records

Your bank’s own account-maintenance charges and per-transaction fees are treated separately from your regular outgoing payments. Penzum detects these automatically and creates a dedicated expense record for each fee under the Bank & financial fees category — so your other expense totals stay clean and your fee costs are always visible.
Bank fee detection relies on how your bank labels the transactions it sends through Open Banking. If a fee is not picked up automatically, you can always add it as a manual expense.
  • Bank setup — connect your bank account for automatic imports
  • Categories — understand and change expense categories