Penny is the personal finance app built for people who want to understand their money without feeling overwhelmed or judged by it. See your complete financial picture in one place: net worth, spending, budgets, cash flow, debt, and investments. Build better habits and watch your progress without the pressure.

No guilt. No lectures. Just honest clarity.

YOUR NET WORTH AND ACCOUNTS

Connect your checking, savings, credit cards, loans, and investment accounts through Plaid, the same trusted infrastructure used by Venmo, Robinhood, and major financial institutions. Penny calculates your net worth automatically and updates it as your balances change. View accounts grouped by type, check institution health, and re-authenticate connections right from the app.

DEBT PAYOFF TOOLS

Add any debt: credit cards, student loans, auto loans, personal loans, mortgages, or anything else. Penny shows you two payoff strategies side by side: Snowball (smallest balance first, for momentum and quick wins) and Avalanche (highest interest first, to save the most money overall).

See which strategy gets you debt-free sooner and which saves you more in interest. Adjust your monthly payment with a slider and watch every payoff date update instantly. Penny tracks your journey with milestones along the way so you can see how far you have come, not just how far you have left to go. Debts from linked accounts import automatically.

BUDGETS THAT WORK FOR YOU

Create weekly or monthly budgets by spending category. Penny tracks your spending in real time and alerts you before you go over your limit. Budget health indicators give you an at-a-glance view of what is on track, what needs attention, and what is going unbudgeted. Unbudgeted spending is tracked separately so nothing disappears into a gap.

CASH FLOW AND FORECASTING

Understand your income versus expenses with visual breakdowns and period comparisons. Penny's Forecast view projects your account balances up to a year ahead based on your actual recurring transactions and income patterns, so you can spot shortfalls before they happen and plan with confidence.

TRANSACTIONS AND CATEGORIES

Every transaction from your linked accounts syncs automatically. Search by merchant, filter by date range, account, or category, and drill into any transaction for detail. Create custom categorization rules so recurring merchants always land in the right place. Tag transactions for your own organization and export your full history to CSV at any time.

INVESTMENT PORTFOLIO

View all your investment holdings across linked brokerage and retirement accounts in one place. Track total portfolio value, individual positions, and investment activity including buys, sells, and dividends, all grouped and easy to read.

SMART INSIGHTS

Penny automatically detects recurring subscriptions from your transaction history and surfaces them so nothing goes unnoticed. Spending trend analysis shows whether your habits by category are improving or drifting over time. The dashboard highlights what matters most without burying you in charts.

SECURITY YOU CAN TRUST

Protect the app with a 4-digit PIN or unlock with Face ID and Touch ID. Your bank credentials never touch Penny's servers. Plaid provides read-only, bank-level encrypted access. You can delete your account and all associated data at any time, directly from within the app.

PRICING

Penny is a subscription app. A 7-day free trial is available with no credit card required. Visit pennyfinance.net for current pricing.

Questions? support@pennyfinance.net
Terms of Use: https://pennyfinance.net/terms

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