Know where every penny goes

Track your accounts, spending, and subscriptions in one place, on your own or with your partner.

Penny's Accounts tab showing a net worth of $199,011.77, up 27.7% over the past year, above savings, card and investment balances.

Your finances, automatically tracked

Connect your accounts and Penny automatically imports your balances and transactions. Works with 10,000+ financial institutions.

See where you stand

Follow your net worth, understand your spending, and see which bills are coming up.

Net worth. All your accounts added up, and how the total has changed over the past year.

$199,012

+$67,370 (51.2%) over 12 months

Where it went. This month's biggest categories, and how each compares with last month.

Transportation$1,2025%

2nd

Housing$3,1341%

1st

Dining Out$8503%

3rd

What's coming. See upcoming bills and subscriptions, with their expected charge dates.

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More ways to use Penny

Separate logins. One shared view of your money. Invite your partner to track accounts, spending, and bills together, all on one subscription.

Widgets. Your net worth, latest transactions, and next bills on your Home Screen, without opening the app.

An iPhone Home Screen with Penny's Groceries spending, Net Worth, Recent Transactions and Upcoming Renewals widgets.

Every category, up close. Open Coffee to see what it has cost month by month, and every cup behind the number.

Penny's Coffee category: $101.59 this month, a bar for each month's spending, and every coffee behind it, newest first.

API & MCP access. Ask your AI assistant about your spending, or use your data in your own scripts.

What changed in our spending this month?

Thinking

They want this month against last, so I’ll pull both months’ categories from Penny.

PennyCategoriesCategory breakdownFeb 1–15
PennyCategoriesCategory breakdownJan 1–31

So far in February, compared with January:

Groceries are up to $822, from $586
Dining out dipped to $850, from $875
No travel yet, after $1,408 in January

$ curl https://api.penny.finance/v1/households/$HOUSEHOLD_ID/transactions \
    -H "Authorization: Bearer $PENNY_API_TOKEN"

{
  "transactions": [
    {
      "name": "Chevron",
      "date": "2026-09-21",
      "amount": { "amount": "-58.40", "currency": "USD" },
      "household_finance_category": { "name": "Transportation" }
    },
    …
  ],
  "has_more": true
}

Private, and in your control

Encrypted and read-only. Penny can see your balances and transactions, but it can't move money or change anything at your bank.
Your password stays with your bank. You sign in through Plaid, so Penny never receives it.
Not for sale. We charge for Penny, so we don't need to sell your data or show you ads.
No lock-in. Export your data as spreadsheets, disconnect a bank at any time, or delete your Penny account from Settings.

Get early access to Penny

Join the waitlist and we’ll email you when you can try it.

Join the waitlist See pricing