Penny - AI Portfolio Coach

New: Live Sharia (halal) compliance check on any stock. Plus AI coaching, RSU vesting, real estate, retirement planning, and tax-loss harvesting — all in one app.

Penny is your AI money coach. Track stocks, crypto, ETFs, gold, real estate, RSUs, and retirement accounts — all in one app.

Penny doesn't just show numbers; it explains them. Ask any investing question — by text or voice — and get a real answer in your language.

WHY PENNY IS DIFFERENT • Sharia / Halal compliance check on any US stock (live AAOIFI screening — first iOS app to ship this) • RSU tracking with vesting schedules — built for tech employees • Real estate properties with rental income and appreciation • 40+ retirement account types (401k, IRA, ISA, Roth, SEP) • 4 languages: English, Turkish, German, Spanish

AI COACH THAT GETS YOU • "Should I buy more NVIDIA?" — checks your allocation first • Voice chat — talk to your portfolio, hands-free • Proactive alerts: concentration drift, tax-loss opportunities, earnings, dividends • Awareness of US tax rules — wash-sale window, long-term gains, Roth treatment. Educates, never advises (see a tax pro).

ANALYSIS TOOLS PROS USE • Investment Checkup — health score across 4 dimensions • Fee Analyzer — find hidden costs eating returns • Retirement Planner — Monte Carlo simulation • Tax-Loss Harvesting suggestions • What-If Simulator — test changes before making them • Concentration risk (HHI) and liquidity breakdowns

PRIVACY THE RIGHT WAY • No bank or broker linking — your portfolio is yours, by design • Encrypted in transit and at rest • AI requests proxied — your portfolio never leaves our servers • No data sold, ever

SMART ALERTS • Price alerts on any holding • Dividend & earnings reminders • Drift and concentration warnings • Runs server-side — fires even when the app is closed

EVERY ASSET CLASS • Stocks, ETFs, crypto, gold, silver, bonds, REITs • Real estate (residential, commercial, rental, REITs) • RSUs, options, retirement accounts • Loans and liabilities for true net worth

ADD HOLDINGS YOUR WAY • Manual entry • CSV import from 20+ brokers • Scan a statement PDF with your camera (AI vision)

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

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