v0.1 · open source · free today
Personal finance,
organized.
Track money, set budgets, save toward goals — together with the people you actually share them with.
app.gopenny.app / dashboard
May overviewUSD · The Doe household
GRGroceryDaily living−$84.20
PRPaycheckIncome+$3,200.00
TXTaxiTransportation−$18.40
PPenny
log $80 for concert tickets
Logged $80 in Entertainment. Want me to make it recurring?
no ads no data resale no marketing emails installable on any device · PWA open source on GitHub
How it works
Three steps. About a minute.
1
Sign up free.
Email or Google. No card, no setup wizard. You're in and ready in under a minute.
→2
Log in plain English.
"Spent $80 on concert tickets." Penny categorizes it, confirms, and remembers the merchant next time.
→3
See your month.
Budgets, goals, net worth and a written monthly recap — all building themselves as you go. ↓
A month in Penny
It starts empty.
A fresh month. Nothing logged yet — just a quiet, ready dashboard.
Just tell Penny.
"log $80 for concert tickets" — categorized and confirmed in plain English.
Everything adds up.
Income, expenses and your save rate update live as the month fills in.
Budgets keep pace.
Category caps fill as you spend, so there are never any surprises.
Goals get closer.
Watch progress climb toward the finish — then cross it.
Net worth, over time.
Every month rolls up into one line that only goes one way: forward.
May overview
USD · The Doe household
ENConcert tickets−$80.00
PRPaycheck+$3,200
GRGrocery−$84.20
PPenny
log $80 for concert tickets
Features
Everything, sideways.
01
Penny chat
Log in plain English.
An AI assistant on every page — Instant for quick answers, an agentic Thinking mode for harder ones. Say it, Penny logs it.
02
Budgets & goals
Caps, suggestions, milestones.
Monthly caps suggested from your trailing 3-month history. Goals with pace tracking and a clear finish line.
03
Insights
A month, in your numbers.
An AI narrative grounded in your data, plus ~20 panels: top movers, year-over-year, savings rate, forecasts.
04
Receipts & statements
Snap a photo.
Vision extraction pulls merchant, date, amount and category from photos or multi-page PDF statements. One tap to confirm.
05
Investments
Positions, SIPs, projections.
Funds, stocks, FDs. Recurring buys. Connect Groww to sync holdings; AMFI NAVs refresh daily.
06
Family households
Share, with the right limits.
Keepers, co-keepers, trackers and onlookers. Bring in your partner, give kids their own books, keep parents read-only.
07
Recurring & installments
Set it once.
Weekly-to-yearly rules auto-post on schedule. Installment plans split big purchases — even or custom amounts.
08
Bills & reminders
Never miss a due date.
A forward calendar of what's coming due — with email and in-app bell reminders at T-2 and on the day, in your timezone.
09
Net worth
Your whole picture.
Cash, assets, investments and debts in one number. Daily snapshots chart the climb, with milestone nudges.
10
Multi-currency
USD, INR, EUR, GBP, AED.
Native formatting and per-transaction conversion to your household base — covering most of where Penny's users live and earn.
Numbers you can trust
Penny doesn't guess.
Most AI assistants will happily invent a number. Penny won't. Every figure it shows is pulled from your actual transactions — and when it can't back something up, it tells you instead of making it up.
✓Grounded in your data. Totals, trends and balances come straight from your ledger — never approximated.
✓Abstains when unsure. No data for it yet? Penny says so, rather than guessing a plausible-looking figure.
✓Generous by default. Ask up to 100 questions a day at no cost — far more than most people need to stay on top of their money.
PPenny
how much did I spend on dining in March?
You spent $312.40 on Dining Out in March, across 11 transactions.
and in 2019?
I don't have any 2019 data for your household, so I can't give you a figure — I won't make one up.
every number above is traceable to a real transaction.
The long game
Net worth, drawn as you go.
$0
$200k$150k$100k$50k$0
20212022202320242025Now
net worth by year
Coming from somewhere else?
Mint shut down. YNAB isn't free.
If you're between apps, Penny is built to be the one you stay with: free to use, yours to export anytime, and no manual import grind — just tell it what you spent and it learns as you go.
No lock-in. Your whole history downloads as JSON whenever you want it.
Mintdiscontinued
YNAB$109 / year
Pennyfree · export anytime
P
Built by one person, on purpose.
Penny isn't a venture-backed app that needs to monetize your data to survive. It's a personal project, kept deliberately small, built in the open. That means no ads, no data resale, and no investor pressure to turn your spending into a product.
The code is on GitHub. Your data is exportable and deletable. If running costs ever outgrow what's reasonable to absorb solo, you'll hear it straight from me — not discover it behind a surprise paywall.
— the person who builds Penny
What's shipped & what's next
Penny is actively being built.
Just landed - Thinking mode — agentic, multi-step answers
- Web-aware research in chat
- Richer monthly insights
Core & live - Plain-English AI assistant
- Receipt & statement scanning
- Family households & roles
- Investments, SIPs & Groww sync
- Multi-currency — USD, INR, EUR, GBP, AED
On the horizon - Native iOS & Android apps
- More currencies as the user base grows
- Deeper goal & retirement planning
Questions
Good to know before you sign up.
Is it really free?+
Yes. No credit card, no ads, no data resale, no marketing emails. You also get up to 100 AI questions a day at no cost — plenty for everyday money decisions. If hosting and API costs ever grow beyond what's reasonable to run solo, that'll be communicated transparently, not sprung on you as a paywall.
Which currencies are supported?+
USD, INR, EUR, GBP and AED — the currencies that cover the vast majority of where Penny's users actually live and earn, from India to the US, UK, Europe and the UAE. Each is formatted natively, and foreign-currency transactions are converted to your household's base currency automatically. More will be added as the user base grows.
Where is my data, and is it private?+
Your data lives on enterprise infrastructure from Cloudflare and AWS — never sold to brokers, never fed into ad networks. Sessions are signed and never exposed to JavaScript, and sensitive items like broker credentials are encrypted with AES-256-GCM.
Can I export or delete everything?+
Anytime. One click exports every household and transaction you own as JSON. Deletion gives you a signed cancel link by email and a 30-day grace window before anything is permanently removed — and you're emailed again once it's gone.
Is it open source?+
Yes — Penny is built in the open on GitHub. You can read exactly how your money is handled, file issues, or follow along as it's built.
Is there a mobile app?+
Penny installs to any phone or desktop home screen today as a PWA and feels native — same features as the browser, with a connection. Dedicated iOS and Android apps are on the roadmap, built on the same core with no feature gaps either way.
Ready to get organized?
Sign up in under a minute. No credit card. No marketing emails.
