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The Penny Hoarder engagement report

@thepennyhoarder - 240K followers on X

Measured over 80 original posts from a 30-day window, last computed on September 28, 2026.

Engagement

Bottom 10% for its size
Per follower
0%
of 240K followers
Per impression
0.049%
2.0K views on a typical post
Reach
0.85%
of its followers see a post
Typical post
1
interactions (median)
Saved
0.049%
1 bookmarks on a typical post
Posting rate
2.67/day
active 40% of days
Peak time
14:00 UTC
Tuesday

A typical post picks up 1 interaction against 240K followers, an engagement rate of 0%. Measured over 80 original posts, its engagement rate beats 2% of 20,444 tracked accounts of a similar size. That is a reason to look at how the audience behaves - reply depth, saves, whether the followers are recent - rather than a conclusion about it on its own. Posts are seen about 2.0K times each, and 0.049% of those impressions turn into an interaction. That is about 0.853% of the follower count, which is the gap between an audience on paper and an audience in a timeline. Posting runs at about 2.7 posts a day over the last 30 days, though only 40% of days saw any activity at all. Most posts go out around 14:00 UTC, and Tuesday is the busiest day of the week. Of the 80 posts sampled, 14% carry an image or video and 100% link out. The account's strongest tracked post pulled 6 interactions, about 6.0x its own typical post.

Measured over 80 original posts from a 30-day window, last computed on September 28, 2026. Recurring tag: #nationalcouponmonth.

Compared with accounts its own size

The Penny Hoarder's engagement rate beats 2% of the tracked X accounts closest to it in follower count (20,444 accounts, accounts of similar size (decile 9 of 10)). A percentile is spread evenly by construction, so 50 really is the middle of that group and 90 really is its top tenth.

On engagement per impression rather than per follower it beats 3% of the same group. When those two numbers disagree, the gap is about how far its posts travel rather than how people react to them.

Where this sits in the catalog

At under 0.001%, The Penny Hoarder sits below the 10th percentile of the 205,048 accounts in this comparison. That places it in the bottom 25% band, which runs below 0.024%.

p100.004%
p250.024%
p50 (median)0.143%
p750.678%
p902.55%
p9982.4%
Engagement rate as a share of followers, across the 205,048 accounts we have scanned enough to measure. The axis is logarithmic, because the top and bottom of this population are about 22,894 times apart and a linear axis would flatten everything below the median into a single point.
Show the percentile table
Engagement rate percentiles
PercentileEngagement rate
10th percentile0.004%
25th percentile0.024%
50th percentile0.143%
75th percentile0.678%
90th percentile2.55%
99th percentile82.4%

This ruler is the whole measured catalog, not a size-matched group: it shows where the raw rate falls across every account we can measure, all of which are large. For a like-for-like comparison, read the size-band percentile above instead. See how the bands are built

Posting timing

This account posts most often around 14:00 UTC, and Tuesday is its busiest day of the week. The bars below are the catalog-wide pattern, with this account's own busiest slot marked. They do not show how this account performs at each hour: we keep one aggregate per account, not one per hour, so that measurement does not exist in our data.

Engagement by hour posted, UTCTwenty-four bars, one per UTC hour. Each bar shows how posts published in that hour compare with their own authors' median engagement. Bars above the centre line ran higher than the median, bars below ran lower. A marker flags Busiest hour: 14:00 UTC.
0003060912151821
Above the authors' own mediansBelowScale: plus or minus 111%Busiest hour: 14:00 UTC
Show engagement by hour posted, utc as a table
Engagement by hour posted, UTC
Hour (UTC)Vs author medianPosts
00:00 UTC-1%89K
01:00 UTC-2%90K
02:00 UTC-3%88K
03:00 UTC-4%94K
04:00 UTC-5%76K
05:00 UTC-4%75K
06:00 UTC-5%86K
07:00 UTC-5%93K
08:00 UTC-4%108K
09:00 UTC-4%124K
10:00 UTC-3%129K
11:00 UTC-3%141K
12:00 UTC-3%154K
13:00 UTC-3%167K
14:00 UTC-4%173K
15:00 UTC-2%176K
16:00 UTC-3%171K
17:00 UTC-3%159K
18:00 UTC-2%149K
19:00 UTC-2%141K
20:00 UTC-1%131K
21:00 UTC0%116K
22:00 UTC-2%100K
23:00 UTC-1%90K
Engagement by day of weekSeven bars, one per weekday, Sunday first. Each bar shows how posts published on that day compare with their own authors' median engagement. Bars above the centre line ran higher than the median, bars below ran lower. A marker flags Busiest day: Tuesday.
SunMonTueWedThuFriSat
Above the authors' own mediansBelowScale: plus or minus 111%Busiest day: Tuesday
Show engagement by day of week as a table
Engagement by day of week
DayVs author medianPosts
Sunday+5%393K
Monday+1%483K
Tuesday-2%520K
Wednesday-3%472K
Thursday-2%430K
Friday-3%447K
Saturday+2%393K
See what moves engagement across the whole catalogWhat counts as a good engagement rate at this size

Formats this account uses

Its own posting mix on the left, and what each of those formats does across every account we track on the right. Only formats where the effect clears our publish test appear here, so an empty row is a format we could not measure rather than one that does nothing.

This account's posting mix compared with catalog-wide effects
FormatThis accountCatalog effect95% intervalAccounts behind it
Image or video14% of posts+111%+108% to +115%34K
Outbound link100% of posts-41%-42% to -40%32K
Typical length--3%-3% to -2%54K
  • 14% of this account's sampled posts carry an image or video. Across the catalog, posts with an image or video run 111% above the same accounts' other posts.
  • 100% of its posts carry a link off X. Across the catalog, posts with an outbound link run 41% below the same accounts' other posts, so a large share of this account's output sits in the weakest bucket we measure.
  • Its average post runs 132 characters, which falls in the 80 - 180 characters band. Across the catalog, posts of 80 to 180 characters run 3% below the same accounts' other posts.

These are catalog-wide differences applied to this account's own posting mix, not a measurement of how each format performs for this account specifically. We keep one median per account, not one per format per account, so the second thing is not something this data can tell you.

Best tweets

  • Sep 23, 20266.0x their median

    Getting O'Reilly Auto Parts marketing texts on a reassigned phone number? πŸ›‘πŸ“± If you're on the Do Not Call list and got spammed anyway, you can claim up to $22! Act quicklyβ€”the deadline to file your claim is Sept 28: https://t.co/M0Dk4RFDZF https://t.co/wNCoRhYWim

    33001.3K viewsView on X
  • Sep 25, 20265.0x their median

    If debt is keeping you up at night, make these moves this month. https://t.co/HEJcYD1WeJ

    41003.4K viewsView on X
  • Sep 9, 20264.0x their median

    Need extra cash? πŸ’Έ You might not need a second job to find it. Here are some ways to pocket $2,600+. https://t.co/ebfj0oHAKg

    40002.2K viewsView on X
  • Sep 7, 20264.0x their median

    Your money is disappearing. πŸ‘€ Here are some places to find it. https://t.co/QT4fVv6Yym

    40003.5K viewsView on X
  • Sep 7, 20264.0x their median

    Ready to break up with your debt? πŸ’Έ Here are ways to pay it down faster. https://t.co/Fr0zquqJT4

    40002.8K viewsView on X
  • Sep 5, 20264.0x their median

    Application rejected? πŸ’³ Learn the hidden reasons loans get denied and our top strategies on how to get approved for a loan next time. https://t.co/xm0T4CTtdw

    31001.8K viewsView on X
  • Sep 25, 20263.0x their median

    A little extra income can go a long way in retirement. πŸ‘€ https://t.co/LJ90tPcK4J

    21002.0K viewsView on X
  • Sep 25, 20263.0x their median

    Nobody likes talking about this… but your family should know what happens to your Social Security. https://t.co/73XeH0ph7d

    21001.8K viewsView on X
  • Sep 24, 20263.0x their median

    TFW you realize the bills aren't just gonna go away: πŸ«ͺ https://t.co/LC1WakRGJ3

    30003.4K viewsView on X
  • Sep 23, 20263.0x their median

    Part-time gigs with full-time benefits. πŸ‘‡ https://t.co/ZkWWCIBPu1

    21002.2K viewsView on X

Ranked by total interactions across everything we have tracked for this account, which is a longer history than the 30-day window the rates above use. The multiple compares each post to this account's own median.

Recurring topics

#nationalcouponmonth

The most frequent hashtags in the sampled posts. They describe what this account writes about; they are not a performance signal, and the catalog-wide breakdown on the hub shows how little hashtag count moves.

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Reading these numbers

A typical post picks up 1 interaction against 240K followers, an engagement rate of 0%. Measured over 80 original posts, its engagement rate beats 2% of 20,444 tracked accounts of a similar size. That is a reason to look at how the audience behaves - reply depth, saves, whether the followers are recent - rather than a conclusion about it on its own. Posts are seen about 2.0K times each, and 0.049% of those impressions turn into an interaction. That is about 0.853% of the follower count, which is the gap between an audience on paper and an audience in a timeline. Posting runs at about 2.7 posts a day over the last 30 days, though only 40% of days saw any activity at all. Most posts go out around 14:00 UTC, and Tuesday is the busiest day of the week. Of the 80 posts sampled, 14% carry an image or video and 100% link out. The account's strongest tracked post pulled 6 interactions, about 6.0x its own typical post.

What is The Penny Hoarder's engagement rate on X?
The Penny Hoarder (@thepennyhoarder) has an engagement rate of 0%, based on the median interactions across 80 original posts from the last 30 days against 239,639 followers. Replies, reposts and quote-posts of other people are excluded from that sample.
Is that a good engagement rate?
At under 0.001%, The Penny Hoarder sits below the 10th percentile of the 205,048 accounts in this comparison. Those comparison accounts are all large ones, because our scanning cadence is weighted towards big accounts, so this is a ranking among peers of similar scale rather than a ranking across X.
Does @thepennyhoarder have real engagement?
Its engagement rate beats 2% of the tracked X accounts closest to it in follower count (20,444 accounts), which puts it in the bottom 10% for its size group. Ranking inside a size band matters because engagement rate falls as accounts grow, so a raw rate would mostly re-measure the follower count. It is a starting point for a look at follower quality, not a verdict on it.
When does @thepennyhoarder post?
Most posts go out around 14:00 UTC, and Tuesday is its busiest day, at roughly 2.67 posts per day across the measured window.

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