← yes, it tracks every penny
Gain total
control of
your money.
Stop living paycheck to paycheck, get out of debt, and save more money. PennyPal makes every dollar visible — from income all the way down to that $4 parking ticket you forgot about.
30-day free trial · no credit card
this month, so far
Net worth
$18,240
Monthly Income
$9,500
+4.2%
Total Expenses
$6,250
-2.1%
Saved This Month
$3,250
+12%
Goals Progress
39%
On track
Pending Review
3 items
Needs attention
See it, don't guess it
See where every penny
goes..
the bribe section, pt. 2
Loved by people who
finally get it.
"I finally know where my money is going. It's not just about tracking; it's about changing your mindset."
Sarah Jenkins
Freelance Designer
"The best budgeting app I've ever used. The zero-based budgeting method just clicks."
Marcus Chen
Software Engineer
"PennyPal helped me save enough for a down payment in just 8 months. Absolute game changer."
David Miller
Small Business Owner
"I used to be scared of checking my bank account. Now I feel totally in control and at peace."
Elena Rodriguez
Teacher
"The weekly summary alone changed how I spend. Simple, honest, no guilt trips."
Rina P.
Nurse
"Three months in and I've saved $4,000 more than last year. The weekly nudge keeps me honest."
Priya T.
Marketing Manager
"Switched from a spreadsheet I'd spent years refining. PennyPal replaced it in an afternoon."
Mia W.
Product Designer
"Finally a budget app I actually open. Two minutes a day and I know exactly where I stand.."
Aravind S.
Software Engineer
"I finally know where my money is going. It's not just about tracking; it's about changing your mindset."
Sarah Jenkins
Freelance Designer
"The best budgeting app I've ever used. The zero-based budgeting method just clicks."
Marcus Chen
Software Engineer
"PennyPal helped me save enough for a down payment in just 8 months. Absolute game changer."
David Miller
Small Business Owner
"I used to be scared of checking my bank account. Now I feel totally in control and at peace."
Elena Rodriguez
Teacher
"The weekly summary alone changed how I spend. Simple, honest, no guilt trips."
Rina P.
Nurse
"Three months in and I've saved $4,000 more than last year. The weekly nudge keeps me honest."
Priya T.
Marketing Manager
"Switched from a spreadsheet I'd spent years refining. PennyPal replaced it in an afternoon."
Mia W.
Product Designer
"Finally a budget app I actually open. Two minutes a day and I know exactly where I stand.."
Aravind S.
Software Engineer
the how-it-works bit
How
PennyPal
actually
works
Connect your accounts
Link your bank, credit cards, and investment accounts in minutes. Everything reads automatically — or enter transactions manually if you prefer.
Set your intentions
Allocate every dollar before the month starts. Adjust as life changes. No guilt trips, no red warnings — just a clear plan.
Watch the flow
See income cascade through spending buckets, categories, and subcategories in our animated Sankey diagram. Four levels of clarity.
Feel the progress
Small, satisfying signals show what's working. Goals tick forward, savings build, and your Pal AI keeps you honest without being annoying.
no tricks, no tiers of tiers
Pricing that isn't confusing
Pal Starter
Perfect for getting started.
$59.99/year
Equivalent to $7.99/mo
- Up to 3 bank accounts
- Basic categorization
- Monthly reports
- Mobile app access
most popular!
Pal Pro
Master your financial life.
$94.99/year
Equivalent to $12.99/mo
- Unlimited bank accounts
- AI-powered insights
- Custom categories & tags
- Investment tracking
- Priority support
- Data export
Every price is posted because pay secrecy — or price secrecy — is just weird.
straight answers, no fine print
Got questions?
The things people actually want to know before they connect an account, start a trial, or trust an app with their financial life.
Yes. PennyPal connects to over 12,000 US banks and credit unions through Plaid, including Chase, Bank of America, Wells Fargo, Capital One, local credit unions, and most fintech accounts. If yours isn't there, you can add it manually and keep it in sync by hand.
Start your free trial today
Join thousands of smart spenders who finally know where every penny goes. 30 days free, then Pal Starter from $7.99/mo or Pal Pro at $12.99/mo.