You're in control — Penny just shows you the full picture

Tired of going through every transaction to find out where your money went?

Unlike other apps that just show you where your money went, Penny uses proprietary intelligence to surface actionable insights — so you always know what you can do next. You stay in control. We just make every financial decision easier to make.

Free to start. No bank login needed. 🔒

✅ You're on the list. We'll be in touch.
You decide what to act on
We just surface the facts
Free forever plan
Financial Snapshot — April 2026
Monthly leak detected
$218.40
= $2,620/year quietly draining
⚠ 3 sources
🛒
Grocery overspend
Brand premium · wrong store
−$54.40
Live
🏦
Bank statement leaks
Forgotten subs · fees · drift
−$112.00
Soon
📱
Subscription bloat
3 unused · 2 price increases
−$52.00
Soon
🏦 Credit card payoff 63%
Penny savings shave 7 months off. Free by Oct 2026 — not May 2027.
📐
Real math, every time
No AI guesses — all from your actual data
Netflix raised your bill $3/mo in January — you didn't notice · Families like yours spend $280 less on groceries every month · 3 subscriptions unused for 60+ days still billing you · That overspend is $46,800 less in your retirement account in 10 years · Chicken breast is $1.89/lb at Aldi this week — you paid $3.49 at Kroger · Your utility bill is 34% above the median for your zip code · Netflix raised your bill $3/mo in January — you didn't notice · Families like yours spend $280 less on groceries every month · 3 subscriptions unused for 60+ days still billing you · That overspend is $46,800 less in your retirement account in 10 years · Chicken breast is $1.89/lb at Aldi this week — you paid $3.49 at Kroger · Your utility bill is 34% above the median for your zip code ·
$384
avg monthly leak found
$4,608
avg annual impact
5
intelligence layers
0
bank logins needed to start
Works nationwide
🛒 Grocery — all 50 states
🏦 Any bank statement
📱 Any carrier or provider
⚡ All utility types
🚗 All 50 states · insurance
📊 All income brackets
Active suggestions

Not a report.
A nudge.

Every other budgeting app tells you what happened last month. Penny tells you what to do before you open your wallet this week — ranked by dollar impact, specific enough to act on in 30 seconds.

🚨
Silent price increase caught — Hulu raised your bill from $7.99 to $17.99 in March. That's $120/year more than you agreed to pay.
Found in your transaction history — 8 months ago
🛒
Before you shop Tuesday — Aldi has chicken breast at $1.89/lb. You paid $3.49 last week. That's $18 back on your usual order.
Based on your shopping pattern · 1.4 miles away
📊
Benchmark gap found — Households like yours spend $610/month on groceries. You're spending $890. That gap invested monthly is $46,800 in 10 years.
Source: USDA Food Plans · BLS Consumer Expenditure Survey
📱
3 subscriptions, 60+ days unused — Duolingo Plus, Headspace, Paramount+. Combined: $384/year for apps you haven't opened since February.
Detected from recurring charges on your bank feed
Pricing

Start free.
Upgrade when it clicks.

No credit card needed. Most people upgrade after their first leaked bill gets caught.

Free forever

Leak Spotter

$0

No card required

Benchmark gap calculator
Manual spend entry + basic analysis
Bank CSV upload — subscription & fee detection
Your #1 leak surfaced every month
🔒Receipt scanner (OCR)
🔒All leaks across 5 categories
🔒Weekly ranked action plan
🔒Neighbor price benchmarks
Start for free
Most popular Full audit

Penny Pro

$9.99

per month · cancel anytime

Receipt scanner — camera or upload, auto-parsed
All leaks — groceries, bills, subs, fees
Bank statement auto-analysis (Plaid)
Weekly ranked action (one thing to do)
Neighbor benchmarks — bills & groceries
Price increase alerts (Netflix, Hulu, etc.)
Goal tracking + savings timeline
Negotiation scripts included
Get full access

Half the price of YNAB or Monarch — with features they don't have.

How it works

From transaction to clarity in seconds.

No questionnaires. No budgets to fill in. Just your data and real math.

1
Scan or upload

Snap a receipt.
Upload a statement.
That's it.

No bank login needed to start. Take a photo of any grocery receipt on mobile or upload a bank statement CSV/PDF. Any bank, any store, anywhere.

  • Works with any grocery store receipt
  • Accepts PDF, CSV, or phone camera
  • No credentials ever required
9:41▲▲▲ WiFi
📷 Scanning receipt...
KROGER #0482
APR 24, 2026
Whole milk 1gal $4.29
Chicken breast 2.3lb $8.05 ⚠
Bread — Nature's Own $3.79
Eggs 12ct Grade A $5.49 ⚠
Bananas 1.8lb $1.08
Tide Pods 35ct $14.99 ⚠
TOTAL $37.69
⚠ 3 items flagged — cheaper nearby
2
Penny finds the leaks

Every charge.
Every overpay.
Named & quantified.

Penny checks every item against real-world data. Groceries vs nearby stores. Bills vs your zip code. Subscriptions flagged for hidden price increases.

  • Item-level grocery price comparison
  • Subscription price drift detection
  • Bill benchmarks by zip code
9:41▲▲▲ WiFi
🔔 3 leaks foundThis month
🛒
Grocery bill $218 above peers
Neighbors pay $610 · you pay $828
−$218
📺
Netflix raised plan 4 months ago
$7.99 → $17.99 · lost $40 since Jan
−$40
📡
Internet 40% above zip avg
Neighbors pay $54 · you pay $94
−$480/yr
Total leaks this month
$358/mo
3
See how you compare

What your neighbors
actually pay.
Side by side.

Unlike apps that only show your own spending, Penny benchmarks every category against households at your exact income level and zip code.

  • Grocery benchmarks by store and item
  • Utility and internet by zip code
  • You're always in control of what to act on
9:41▲▲▲ WiFi
Your benchmarks
🛒 Groceries
You
$828
Similar
$610
$218/mo above households like yours
📡 Internet
You
$94
Zip avg
$54
40% above your zip code average
4
Goals move faster

Every dollar found
goes somewhere
you choose.

You decide what to do with what Penny finds. Route recovered dollars to a goal. Real math, not estimates. Timeline updates as you recover more.

  • You pick the goal and the priority
  • Real payoff math shown up front
  • Timeline updates as you recover more
9:41▲▲▲ WiFi
Your goals
🏦 Credit card payoff
63%
$4,200 remaining · 19.99% APR
Payoff timeline
Without Penny
May 2027
+13 months
With $358 found
Oct 2026
7 months sooner 🎉
Real math: Based on your actual balance, rate & $358/mo recovered.
Intelligence layers

Five layers of intelligence.
One weekly action.

Most apps show you a chart and call it advice. Penny runs a structured audit across five categories — finding the specific dollar amounts leaking out and telling you exactly how to stop each one.

✓ Live now
Layer 01
🛒
Grocery Intelligence
Penny analyzes every item on your receipt to spot brand premiums, convenience markups, and unit-price traps. Over time, it can show you when another store you already shop is consistently cheaper — based on your own history, not guesswork.
Brand premium detector
Convenience tax flagging
Per-unit price comparison
Best store move of the week
✓ Live now
Layer 02
🏦
Bank Statement Analysis
Upload any bank CSV or PDF — no account linking. Penny finds forgotten subscriptions, duplicate charges, fee patterns, and month-over-month spending drift. Works with Chase, BofA, Wells Fargo, Citi, and Capital One.
Works with any bank export
Forgotten subscription finder
Overdraft & fee detection
Live bank connect (Plaid) — later
✓ Live now
Layer 03
📱
Subscription Tracker
Auto-detected from your bank statement or entered manually. See every recurring charge in one view, with price increase alerts so surprises stop surprising you.
Auto-detected from bank data
Monthly billing calendar
Price increase alerts
Cancel workflow built-in
Coming soon
Layer 04
⚡
Utility Intelligence
Are you paying more for internet than your neighbors? More for car insurance than your zip code average? Penny benchmarks your utility and service bills against real data from people like you — and shows you the gap.
Internet & phone vs. area benchmarks
Auto, home & renters insurance rates
Energy bill efficiency scoring
Switch or negotiate suggestions
Coming soon
Layer 05
📊
Spending vs. Peers
Penny benchmarks your spending by category against government-verified data for households at your exact income level. Not national averages — your income bracket, your region, your household size.
Food, transport, healthcare, entertainment
Income-bracket benchmarks, not national avg
Shows exact dollar gap per category
Traces overspend to specific merchants
On the roadmap
Built one layer at a time. Proven before it ships.

Each new intelligence layer earns its place by delivering a specific, verifiable dollar finding — not by making the product feel bigger. If Penny can't show you the math and the source, we don't ship it.

🏠 Mortgage & rent benchmarks
🚗 Auto loan rate comparison
🎓 Student debt optimization
💊 Pharmacy price comparison
⛽ Gas price routing
📊 Wealth percentile tracking
🏦 Savings rate benchmarks
+ more
∞
layers to come
Early access

Be first to find
your leaks.

We're building Penny in public. Early users get lifetime discounted pricing and a direct line to shape what gets built next.

✅ You're on the list! We'll email you when Penny launches.
🔒 No spam, ever
💸 Free to start
📱 iOS + Web
🏦 No bank login needed

🔒 Free forever · No bank login needed

✅ You're on the list. We'll be in touch.