Penny: Net Worth & Portfolio

Get roasted for your investments. Penny scores your portfolio 0-100, roasts what's wrong, and shows the fix. Try a sample roast free — no account needed.

Penny is the AI portfolio tracker that actually explains your money — not just your balances.

Track stocks, ETFs, crypto, gold, real estate, RSUs, and retirement accounts in one place. Then ask Penny anything: "Am I too heavy in tech?" or "Should I rebalance?" — and get a clear, plain-English answer based on your real portfolio.

No account linking. No jargon. Just honest insight into what you own and what needs attention — allocation drift, hidden fees, dividends, concentration risk, and tax-loss windows.

TRACK EVERYTHING YOU OWN • Stocks, ETFs, crypto, gold, bonds & REITs • Real estate properties with rental income • RSUs with vesting schedules • Retirement & savings accounts (401k, IRA, ISA & many global types) • Loans & liabilities for true net worth • Import via CSV, scan statements with your camera, or add manually

AI COACH FOR YOUR REAL PORTFOLIO • Ask Penny anything — text or voice • "Am I too heavy in tech?" — Penny checks your actual allocation • "Should I rebalance?" — get plain-English portfolio context • Weekly check-ins and personalized nudges • Proactive alerts for drift, concentration risk & tax opportunities • Educational guidance in plain language, not generic tips

PRIVACY FIRST • No account linking required • Add holdings manually, by CSV, or by statement scan • Penny is built for privacy-conscious investors who do not want to connect every brokerage account • Works offline

POWERFUL ANALYSIS TOOLS • Investment Checkup — health score across 4 dimensions • Fee Analyzer — find hidden costs eating your returns • Retirement Planner — Monte Carlo simulation with 5,000 scenarios • Tax-Loss Harvesting — find money you're leaving on the table • What-If Simulator — test portfolio changes before making them • Concentration risk warnings (HHI-based) • Liquidity breakdown — know what you can access fast • Rebalance Calculator — set target allocations and get exact buy/sell trades • Portfolio Roast — a brutally honest 0–100 score with what to fix

UNDERSTAND YOUR MONEY • Interactive donut chart with tappable segments • Real-time prices from Yahoo Finance, CoinGecko & Finnhub • Live crypto streaming via Binance WebSocket • Cashflow calendar with dividends & vesting events • Household net worth for families • Dividend tracker with income projections • Transaction history with cost basis

SMART ALERTS • Price alerts on any holding • Dividend & earnings reminders • Portfolio drift warnings • Tax-loss harvesting opportunities • Runs server-side — works while your app is closed

MORE FEATURES • Dark mode with clean neutral theme • 9 languages: English, Spanish, French, German, Portuguese, Turkish, Japanese, Korean & Chinese • Portfolio labels & tags for organizing holdings • Watchlist for assets you don't own yet • PDF report exports • Live market browser with indices, forex & commodities • Milestone celebrations when your portfolio grows

PENNY PRO Subscribe to unlock unlimited AI coaching, voice conversations, advanced analysis, PDF exports, and priority support. 3-day free trial included.

Available as monthly ($6.99/mo) or annual ($49.99/yr) subscription. Payment charged to your Apple ID at confirmation. Auto-renews unless canceled 24 hours before period ends. Manage in Account Settings.

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