P Penny
Coming soon to App Store

Your money,
finally makes sense.

Penny is the AI financial coach who actually gets you. Honest budgets, real goals, and guidance that talks like a friend — not a spreadsheet.

Get early access → 􀣺 Coming soon on App Store
No spam. Just a note when Penny's ready for you.
Good morning, Ankur
Here's your Thursday.
Safe to spend today
$142.50
↑ 18% ahead of pace
Net worth
$48,230
Streak
14 🔥
P
Penny: You're doing better than 73% of users this week — treat yourself, but don't get cocky.
🔐 Encrypted in transit and at rest
🏦 Built with financial-data safeguards
🚫 We never sell your data
🤖 Permission-based AI guidance
🍎 iOS native
Features

Everything you need.
Nothing you don't.

A finance app that's honest, opinionated, and a little sassy — because your money deserves real conversations, not dashboards.

💬

Chat with Penny

An AI coach that remembers your money history, understands your goals, and talks like a real person. Ask her anything — "can I afford this?", "why is my budget tight?", "what should I do with my bonus?" — and get honest answers, not generic advice.

Can I afford a $1,200 flight to Tokyo next month?
Technically yes, but you'd eat 80% of your travel fund and your subs auto-renew March 3. If you can wait 3 weeks, you'll have $400 breathing room. Worth it?
📊

Smart budgets

Monthly budgets that adapt to your habits and flag problems before they hit.

● Live sync across accounts
🎯

Goals that stick

Set goals, auto-allocate savings, and actually watch progress happen.

↗ Sinking fund engine
🧭

See your runway

How many months do you have if income stops? Stress-test your savings. Simulate a job loss, emergency, or windfall — see the real impact on your balance sheet over time.

36 months emergency runway
📰

Personal news radar

Financial news that actually matters to you — filtered by income, interests, and goals. Every article comes with Penny's take and a built-in calculator.

8 built-in calculators
🔐

Privacy is the product, not the pitch

Your data is encrypted in transit and at rest. We do not sell it or use it for advertising. With your permission, vetted service providers process only the data needed to deliver the features you choose. See our Privacy Policy for the complete details.

Pricing

Honest pricing.
No hidden fees.

Eligible accounts may receive the introductory offer shown by Apple. Cancel anytime in Apple subscription settings.

Monthly
$9.99/mo
Reference US price. Apple shows the final local price before purchase.
  • ✓ Up to 300 chats with Penny per day
  • ✓ AI insights & forecasts
  • ✓ Receipt OCR scanning
  • ✓ Smart budgets & goals
  • ✓ Bank sync (coming soon)
Notify me
Annual
$79.99/yr
About $6.67/mo. Apple shows the final local price before purchase.
  • ✓ Everything in Monthly
  • ✓ Priority AI responses
  • ✓ Voice sessions (coming soon)
  • ✓ Haggle with Penny on renewal
  • ✓ First access to new features
Notify me

Ready for a money coach
that actually gets you?

Drop your email. We'll let you know the moment Penny hits the App Store.

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