Know where every penny goes

Track your accounts, spending, and subscriptions in one place, on your own or with your partner.

Penny's Accounts tab showing a net worth of $197,575.19, up 30.6% over the past year, above savings, card and investment balances.

Your finances, automatically tracked

New transactions and balances arrive on their own from 10,000+ institutions.

Penny's Transactions tab: the day's charges arriving at the top of the list one at a time, Poke Poke Fish Bar, then Academic Coffee, then Chevron, above yesterday's, each with its merchant's logo, a category and an amount.

One household, separate logins

Invite your partner to the same accounts, spending, and bills. You each sign in as yourself, and one subscription covers the household.

See where you stand

Net worth, across every account

Bank accounts, cards, loans, and investments added up into one figure, and charted over time.

Penny's Accounts tab: a net worth of $197,575.19, up 30.6% over the past year, charted above the household's savings, cards and investments.

Where it went. Spending by category, month by month. Open ☕ Coffee and every cup is there.

Penny's Coffee category: $79.69 so far in October, a bar for each month's spending, and every coffee behind it, newest first.

What's coming. Bills, subscriptions, and paychecks on one calendar.

Penny's Recurring tab: October's calendar, with each bill, subscription and paycheck on the day it's due.

Nothing happens behind your back

Penny sorts your transactions for you. When one looks off, you can see why.

Filed by rules you can read. Change or reorder them, and what you set by hand is never overwritten.

whenName contains SQ *PHILZ COFFEE

thenSet merchant to Philz Coffee

thenSet category to ☕ Coffee

Every change, on the record. What changed, when, and who changed it: someone in your household, a rule, or your bank.

More ways to use Penny

Widgets. Your net worth, latest transactions, and next bills on your Home Screen, without opening the app.

An iPhone Home Screen with Penny's Groceries spending, Net Worth, Recent Transactions and Upcoming Renewals widgets.

An API for your own scripts. Read your transactions, balances, and spending from anything you build.

Plus split transactions, receipts, tags, and multiple currencies. See every feature.

Private, and in your control

Bank connections are read-only, so Penny can’t move your money and never receives your bank password. We don’t sell your data or show you ads.

Get early access to Penny

Join the waitlist and we’ll email you when you can try it.

By joining the waitlist, you accept our Terms and Privacy Policy.

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