Now accepting early access

Meet Penny.

AI that actually knows your money. Connect your bank, and ask anything — spending breakdowns, budget alerts, morning summaries. All through a simple chat.

Join Waitlist → See how it works
P
Penny
● Online
How much did I spend on food this month?
You've spent $847 on dining this month — that's 12% under your $950 budget. Nice work! 🎉
What about Uber Eats?
Uber Eats is at $62 out of your $100 limit. You have $38 left for the rest of March.
Show me yesterday's spending
Yesterday you had 3 transactions:
$14.50 Starbucks
$67.00 Whole Foods
$12.99 Netflix
Total: $94.49
Ask about your money...
↑
// features

Your money,
on demand.

No dashboards to check. No spreadsheets to update. Just ask Penny and get instant, accurate answers about your finances.

💬
Smart Conversations
Ask anything about your money in plain English. Penny understands context — "How much did I spend at restaurants last week?" Just works.
🌅
Morning Summaries
Every day at 7am, Penny sends you a quick digest — yesterday's spending, budget status, and anything that needs your attention. Start your day informed.
🛡️
Budget Intelligence
Penny learns your spending patterns and alerts you before you overspend. Proactive alerts at key thresholds — not after the damage is done.
🧠
Category Learning
Say "Fuze House is Fitness" once. Penny remembers forever. Over time, it learns your exact categorization — zero manual work.
// how it works

Three steps. That's it.

No spreadsheets. No manual imports. No configuration. Just connect and ask.

1
Connect Your Bank
Securely link your accounts in 30 seconds through our encrypted bank connection. We never store your credentials.
2
Penny Learns
AI analyzes your transaction history, learns your spending patterns, and sets up intelligent budget baselines automatically.
3
Ask Anything
Chat naturally about your finances. Get instant answers, daily summaries, and proactive alerts — all through a simple conversation.
$200K+
Tracked in beta
49+
Auto-learned categories
7am
Daily insights delivered
<2s
Response time
// early access

Get early access.

Penny is in private beta. Join the waitlist and be the first to take control of your money with AI.

No spam. We'll only email you when it's your turn.