Pricing
PennyPal Pricing – Plans that grow with you
PennyPal pricing is a simple, transparent subscription model built for zero-based budgeting. Plans include Pal Starter at $59.99/year and Pal Pro at $94.99/year, each with a 30-day free trial.
Subscription Plans & Options
Pal Starter
Perfect for getting started.
$59.99/year
Or $7.99/mo billed monthly
- Up to 5 bank accounts
- Basic categorization
- Monthly reports
- Mobile app access
most popular!
Pal Pro
Master your financial life.
$94.99/year
Or $14.99/mo billed monthly
- Unlimited bank accounts
- AI-powered insights
- Custom categories & tags
- Investment tracking
- Priority support
- Data export
Pal Pro for an entire year costs less than two months of YNAB's monthly plan.
30-day free trial on every plan · Cancel anytime
A calmer way forward
Take control of your money — confidently
PennyPal helps you build better financial habits with clarity, calm, and confidence — no spreadsheets required.
Your data stays private
Give the Gift of Financial Peace of Mind
Prepay 1 month or 1 year of Pal Starter or Pal Pro for a loved one. The recipient gets instant access with zero credit card required.