Your budget, through conversation

Know how much you can spend today.

Tell Penny about your income, bills and spending. Your budget becomes clearer, day by day.

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30 free AI messages every month · No credit card required

Pennywize

Example conversation

Fictional data · 30-day period

You

For the next 30 days, I have 2,600 € in income, 1,390 € in fixed expenses and I want to set aside 500 €.

Penny

With these amounts, you have 710 € to spread over 30 days, or about 23.67 € per day.

2,600 € − 1,390 € − 500 € = 710 € for the period

710 € ÷ 30 days ≈ 23.67 € / day

A simplified calculation, not a guaranteed bank balance. Your budget depends on the information you provide, your spending and the selected period.

Your budget in three steps

  1. 1. Talk to Penny

    Share your income, your bills and what you would like to save.

  2. 2. Review your budget

    Penny organises your information. Check the amounts and adjust them when needed.

  3. 3. Keep track day by day

    Add your spending as you go to keep track of what remains.

See your budget take shape

See your daily budget and remaining monthly budget at a glance.

Pennywize daily budget widget showing the daily amount, spending and remaining monthly budget using fictional data.
Application screenshot with fictional demo data.
Start for free

A free plan, every month

30 free AI messages every month, with no credit card required.

Need more? PRO is optional, at 4.99 € / month, for unlimited AI messages.

Create my free account

You will never be switched to a paid plan automatically.

Hi, I'm Baptiste.
I built Pennywize for myself.

I struggled to keep track of my budget with the spreadsheets and apps I had tried. I wanted something simpler to use every day.

I built Pennywize around a question I often asked myself: “How much can I spend today?” And a wish: to be able to talk about my budget simply.

Your questions

Who is Pennywize for?

For people who want to track their personal budget by talking about their income and spending, with a dashboard to see the bigger picture.

Do I need to connect my bank accounts?

No. You choose the information you provide through conversation, manual entry or import. No bank connection is required.

Is it really free?

Yes: 30 messages per month are free, every month. PRO is an optional subscription at 4.99 € / month with unlimited AI messages. No payment starts automatically.

How is my data used?

You choose the data you provide. To respond, AI providers process your messages and the necessary financial context. See the privacy policy for details.

Privacy
How does the AI work?

Penny uses AI to understand your messages and help organise your budget. Its responses can contain errors: check the information and amounts it suggests.

What devices does it work on?

Pennywize is a responsive web app. It works on mobile, tablet and desktop, directly from your browser.