Your AI Money Manager
in Chat
Forward receipts, screenshots, or simply ask questions. Penny tracks spending, understands your finances, and helps you make smarter money decisions.
- • Spent €312 (−18% vs last week)
- • Groceries trending down 🟢
- • Subscriptions up €14 — Netflix renewed
Everything a finance app does. Without the app.
Penny lives where your conversations already happen. No new habits, no setup, no dashboards you'll forget to open.
Receipt Intelligence
Snap or forward any receipt — Penny extracts items, merchant, and category in seconds.
Expense Tracking
Every transaction, beautifully sorted. No manual entry, ever.
Budget Assistant
Proactive nudges before you overspend — not painful reports after the fact.
Ask Anything
"How much on restaurants last month?" "Can I afford a €1,500 vacation?" Just ask.
Weekly Insights
Every Sunday, a one-message summary of where your money actually went.
Privacy First
Bank-level encryption. Your data is never sold, never used to train public models.
The dashboard you'll actually look at.
Penny quietly builds a beautiful financial picture in the background. Open it when you want clarity — close it when you've got it.
- Real-time monthly spending
- Category breakdown with smart grouping
- Savings trend across the last 90 days
- AI recommendations tailored to your life
- Cancel Adobe CC — unused for 47 days. Save €59/mo.
- Move €300 to savings — you're €204 under budget this month.
Three messages to financial clarity.
Send a receipt or screenshot
Drop a photo, PDF, or a bank notification into the chat. That's it.
AI understands and categorizes
Penny reads merchants, items, amounts, and assigns the right category — automatically.
Get insights and recommendations
Daily, weekly, or on-demand. Ask questions in plain language whenever you want.
Simple, fair, no surprises.
Start free. Upgrade when Penny saves you more than it costs (it will).
For anyone curious about Penny.
Join the Waitlist- 50 messages / month
- Receipt scanning
- Weekly insights
- WhatsApp or Telegram
For professionals who want full clarity.
Join the Waitlist- Unlimited messages
- Advanced budgets & alerts
- Ask anything (no limits)
- Export to CSV & Notion
- Priority support
Shared finances, individual privacy.
Join the Waitlist- Up to 5 members
- Shared budgets
- Per-person insights
- Everything in Pro
Questions, answered.
Stop Tracking Money.
Start Understanding It.
Join the waitlist and get 3 months of Pro free when Penny launches in your region.