📊
Insights over accounting
See patterns in your spending — by tag, merchant, or habit — not just a list of numbers you'll scroll past.
★★★★★
Loved by early budgeters
Insights over accounting .
Penny shows you where your money actually goes — by tag, merchant, or habit — and gives you a budget that follows your paycheck, not the calendar.
No bank login required — start in 5 seconds
Built for people living paycheck to paycheck — and anyone who just wants to see clearly where their money goes.
Why Penny
Money clarity, without the spreadsheet.
Seven things Penny does differently — designed around how you actually live and spend.
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Budget by your pay cycle
Overspend one day? Tomorrow adjusts automatically. Your budget follows your paycheck, not the calendar.
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Tag it your way
Multi-tag any expense with labels that match how you actually think — nested, colored, and fully yours.
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Know your fixed costs upfront
Rent, subscriptions, bills — tracked separately so you always know what's truly left to spend.
🔓
No bank login required
Start in seconds without connecting anything. Add account tracking later if you want it — totally optional.
⚡
Logging takes 5 seconds
A quick-add button, custom keypad, and daily budget at a glance — built for the moment, not a sit-down session.
💬
Your personal finance coach
Ask anything — "where did my money go this month?" or "how do I save faster?" — and get honest, personalized answers.
How it works
Three steps. No onboarding marathon.
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1
Open and add
Tap the quick-add button and log an expense with the custom keypad. That's it — no account setup, no bank linking.
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2
Tag how you think
Attach your own nested, colored tags. Mark fixed costs separately so your "left to spend" is always honest.
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3
See the patterns
Penny turns your entries into insights and a daily budget that flexes with your paycheck — and answers your questions.
Premium
A finance coach in your pocket.
Penny doesn't just store your data — it helps you understand it. Ask in plain language and get honest, personalized answers based on your real spending.
Meet your coach
Early access
People are finally seeing clearly.
★★★★★
"I tried every budgeting app. Penny's the first one I actually open every day — logging really does take five seconds."
★★★★★
"The pay-cycle budget is genius. It knows when I overspend and just quietly adjusts tomorrow. No guilt, no spreadsheets."
★★★★★
"No bank login meant I actually started. Tagging the way I think about money finally made my spending make sense."
Pricing
Start free. Upgrade when it earns it.
Everything you need to see clearly is free. Pay only when you want power and AI.
Free
$0/forever
Get clear on your spending.
- Fast expense logging
- Up to 10 tags & 5 recurring items
- 1 month of history
- Optional accounts & core reports
Most popular
Standard
$2.99/month
or $19.99/year
Plan and analyze like a pro.
- Everything in Free
- Unlimited tags & recurring
- Full history — all time
- Custom themes & debt tracking
- Pay-cycle budget planner
Premium
$5.99/month
or $50.99/year
Add AI to your money.
- Everything in Standard
- AI financial coach
- Priority support
Prices shown for illustration. Cancel anytime — your data stays yours.
FAQ
Good questions.
Do I have to connect my bank?
No. Penny works entirely from quick manual entries, so you can start in seconds. If you later want automatic balance tracking, you can add accounts — it's completely optional.
What makes the budget "follow my paycheck"?
Instead of resetting on the 1st of every month, your budget runs from one payday to the next. Overspend today and tomorrow's allowance adjusts automatically, so you always know what's truly safe to spend.
How are fixed costs handled?
Rent, subscriptions, and bills are tracked separately from day-to-day spending. That way your daily budget reflects only the money that's actually free to spend.
What can I ask the finance coach?
Anything about your money — like "where did my money go this month?" or "how do I save faster?" It answers from your real data, honestly and personally. The coach is part of Premium.
Is Penny really free?
Yes. The Free plan covers fast logging, optional accounts, up to 10 tags, 5 recurring items, and core reports — forever. Standard unlocks unlimited tags and recurring, full history, custom themes, and debt tracking; Premium adds the AI coach.
Your money, finally clear.
Start tracking in the next five seconds — no bank login, no setup marathon.