Track Your Spending Without Connecting Your Bank
Most expense apps want your login credentials. AIPennyPal doesn't. Just type what you spent and the AI handles the rest.
No credit card required.
Privacy and simplicity, by design
Privacy-first
No bank credentials, ever. Nothing to phish, nothing to leak.
Works instantly
No setup, no syncing, no waiting. Start logging in seconds.
Plain-English logging
Type "spent $8 at Starbucks" and AI handles the rest.
Full spending history
See trends, categories, and totals — without sharing financial access.
Frequently asked questions
Does AIPennyPal connect to my bank?
Just type it or speak it into your phone— for example "I spent $8 at Starbucks this morning" — and Penny extracts the amount, merchant, category, and date automatically.
Is my financial data private?
Yes. Because you log expenses manually, no sensitive banking credentials are ever stored or transmitted.
How do I add an expense without bank sync?
Just type it — for example "I spent $8 at Starbucks this morning" — and AIPennyPal extracts the amount, merchant, category, and date automatically.