Pennies - AI Budgeting

Take control of your finances with Pennies — the AI-powered budgeting app that makes managing money effortless. Link Your Accounts Connect your bank accounts, credit cards, and savings accounts securely through Plaid. Pennies automatically imports your transactions so you always have a clear picture of where your money goes. Meet Penny, Your AI Financial Assistant Penny analyzes your spending patterns and automatically categorizes every transaction — even when your bank provides limited information. She matches transfers between accounts, identifies recurring payments, and flags your income, so your budget stays accurate without the manual work. Smart Budget Suggestions Not sure how much to budget for groceries or gas? Penny reviews your last 90 days of spending and suggests personalized budget amounts for each category, complete with reasoning for every recommendation. Automatic Categorization & Rules Penny creates intelligent rules that categorize your transactions as they come in. No more sorting through hundreds of charges — everything is organized the moment it syncs. Weekly & Monthly Insights See your spending trends at a glance with daily breakdowns, monthly comparisons, and category-level charts. Tap any chart element to drill into the transactions behind the numbers. Shared Household Budgeting Invite your partner or family member to share a single budget. Both users see the same accounts, transactions, and budgets — and both can manage the subscription. Features at a Glance Secure bank linking via Plaid (3 accounts free, 15 with Premium) AI-powered transaction categorization Smart budget suggestions based on your real spending Daily, weekly, and monthly spending insights Penny AI chat for quick financial questions Shared access for households and couples Transaction matching for transfers between your accounts Category rules that learn your spending habits Works on web, Android, and iOS Free Plan Link up to 3 accounts Full AI categorization Budget tracking and insights Premium — $12/month Link up to 15 accounts Priority sync (every 6 hours vs. every 12) Full access to all features 3-day free trial with no commitment Your financial data is never sold or shared. Pennies connects to your banks through Plaid's secure, encrypted infrastructure — the same technology used by major financial apps. Start making every penny count.