Take control, penny by penny.
Track accounts, transactions, categories, budgets, scheduled payments, imports, and bank connections in one clean country/currency workspace.
Start free, no credit card needed
Penny by Penny
Personal finance cockpit
Today's overview
Dashboard
Net worth
€10.1k
+8.4%
Assets
€10.5k
3 accounts
Upcoming
€1.1k
3 payments
Spending trend
Last 8 months
Income
+€2.8k
Expenses
€1.7k
Saved
€640
Supermarket
Groceries
-€67.40
Salary
Income
+€2,850
Payments
Rent
Tomorrow
€980
Phone
Jul 18
€24
Categories
Everything you need, nothing you don't
Built for people who take their finances seriously. Simple enough for everyone.
Transaction Tracking
Add income, expenses, transfers, scheduled payments, and installments. Keep every movement tied to the right account and category.
- Manual transaction tracking
- Scheduled and installment entries
- AI categorisation on Pro
Whole Foods
Groceries
Uber
Transport
Freelance
Income
Netflix
Subscriptions
Starbucks
Dining
Budget Management
Set budgets per category. Get alerted before you overspend not after.
Your Accounts
Start with manual checking, savings, credit, investment, and cash accounts. Plus includes one connected bank account; Pro expands bank connections further.
Chase Checking
Checking
$4,230
Nubank
Savings
$12,900
Revolut
Digital
€2,150
Goal Tracking
Set savings goals and track progress every day. Emergency fund, vacation, new car, all in one dashboard.
- Visual progress tracking
- Deadline & target amounts
- Link goals to accounts
68% reached
40% reached
85% reached
Analytics & Reports
Monthly trends, category breakdowns, and spending comparisons. Understand patterns and make better decisions.
Smart Alerts
Get notified when you're near a budget limit, when bills are due, or when unusual spending is detected.
Net Worth Tracking
See your total net worth across all accounts over time. Watch your wealth compound month by month.
Country & Currency Workspaces
Each workspace uses one country and one currency, keeping bank accounts, budgets, imports, and analytics clean. Pro unlocks multiple workspaces.
Plans built for every stage
Start free, or try a paid plan for 30 days with no credit card needed. Every plan includes imports, budgets, and a focused financial workspace.
Free
Start tracking
For users who want a clean manual finance tracker.
- 1 country/currency workspace
- Up to 3 manual accounts
- Manual transactions, categories, and budgets
- Basic dashboard and spending insights
- Manual recurring and installment entries
- 1 import per month included
No credit card needed.
Plus
More control
Best for everyday users who want more accounts, one bank connection, more imports, downloadable reports, and automatic repeat entries.
30 days free. No credit card needed.
- 1 country/currency workspace
- Up to 10 manual accounts
- 1 bank connection
- 10 imports per month included
- Download transactions and reports
- Automatic recurring bills and income
- Budget alerts and category trends
Upgrade only when you are ready.
Pro
Full automation
The premium upgrade for users who want multiple workspaces, more bank sync, and AI categorisation.
30 days free. No credit card needed.
- Up to 3 workspaces
- Unlimited manual accounts
- Up to 5 bank connections
- 20 imports per month included
- AI transaction categorisation
Upgrade only when you are ready.
Free, Plus, and Pro can all be started without a credit card.
Automation layer
Start manually. Automate as you grow.
Penny by Penny stays useful from day one, then adds more power as your financial routine gets more advanced: bank connections, richer imports, downloadable reports, automatic repeat entries, and AI categorisation.
Bank connections
Plus & ProPlus includes one connection. Pro expands bank sync for heavier users.
Imports
All plansCSV imports with monthly limits that scale by plan.
AI categorisation
ProCategorise transactions from descriptions and transcriptions.
Reports
PaidDownload transactions and summaries for personal review and planning.
Built for real money routines
A focused tool for people who want clarity before automation.
Manual control
Free
Track transactions, accounts, categories, budgets, scheduled payments, and installments without connecting a bank.
Country clarity
Workspace
Keep each workspace tied to one country and one currency, so reports and bank integrations stay clean.
Automation
Paid plans
Move faster with bank connections, imports, AI categorisation, downloadable reports, and automatic repeat entries.
Start your journey to financial clarity today.
All plans can start without a credit card. Free plan available forever.