Spend Mindfully. Understand Everything.
Penny is the expense tracker for people who want to be mindful of their spending. Log anything in plain English. Let AI reward your habit with clarity you can act on.
No credit card required.
Everything you need. Nothing you don't.
A focused toolkit for understanding your money, built around how you actually think about it.
Natural-language input
Type 'spent 12 on lunch' or 'Netflix 15.99 monthly'. No dropdowns, no friction.
Smart auto-categorization
AI infers the right category and vendor, then learns the way you label things.
Recurring charges
Subscriptions and bills are detected and tracked so nothing slips through.
Goals & budgets
Set targets per category and watch your progress with crisp, honest visuals.
Ask anything
"How much did I spend on coffee in May?" Get answers in plain English.
Beautiful dashboards
Trends, breakdowns, and month-over-month deltas designed to be glanceable.
Talk to Penny
Speak your expenses aloud and let AI transcribe and log them instantly — hands-free, hassle-free.
Image Recognition
Snap a photo of any statement or receipt and watch AI extract items, totals, and merchants automatically.
Claude and ChatGPT Integration
Log expenses directly from your favorite AI chatbot. No context switching, no copy-paste — just chat and track.
From thought to chart in seconds
Three small steps, the same every day.
Type it like you'd say it
"$8 oat latte", "Uber 22.40 last night", "rent 1850 monthly". Whatever's natural.
AI does the boring work
Vendor, category, amount, recurrence — extracted instantly and ready to edit if needed.
See the whole picture
Trends, categories, recurring drains, and budget progress, all in one calm dashboard.
Your finances, answered in plain English.
No pivot tables. Just ask. AI Penny Pal reads your actual transactions and replies with the number, the trend, and the so-what.
You spent $87.42 on coffee in May across 19 visits — up 12% from April.
Blue Bottle was your top spot (8 visits, $38.10).
Penny writes you a weekly money letter.
Not another dashboard. A short, personal recap of what happened, what's worth noticing, and how close you are to the goals you set. No spreadsheets. No guilt. Just clarity.
- AI-written summary that sounds like a friend, not a bank.
- Heads-up on cumulative patterns — death-by-a-thousand-cuts caught early.
- Goal progress baked in — see your trajectory, not just your transactions.
You've had a productive and social week, balancing a strong income with thoughtful visits to your favorite local spots like Chainline Brewing. Utilities took a larger slice this time, but your overall spending stays well-aligned with the kind of week you want to have. You're $640 closer to your emergency fund — keep the rhythm.
- Unusually high Utilities bill of $385 at Puget Sound Energy
- $130 single-visit refueling charge at the Gas Station
- Four separate Dining transactions totaling $137.75 in just two days
- Consider a grocery meal-prep day to reduce back-to-back dining out charges
- Look into utility budget billing to spread large energy costs across the year
- Consolidate snack runs at Arco into your weekly Fred Meyer grocery trip
Stop guessing where your money goes.
Start tracking in plain English. Get the clarity in minutes — and keep it for free.
No credit card required.