Know where every
dollar goes
and what’s due next
One calm place for your accounts, budgets, recurring bills and goals - with an AI assistant that answers from your own numbers. Built for Canadians who want the full picture.
Free plan · No credit card · No bank passwords, ever
Import CSV statements from the banks you already use
From scattered accounts
to one calm plan
you can stick to
Smarter tools for
your everyday money
Track spending, stay ahead of every bill and watch your savings grow, with clear numbers, budgets that keep pace with the month and an assistant that answers from your own data.
Goal tracking
Save toward an emergency fund or a down payment and see exactly when you’ll get there.
All your accounts
Chequing, savings and credit cards side by side, with a net worth that updates as you go.
Transaction monitoring
Every purchase lands in a category, with a clear history you can search and filter.
Three simple steps
to get started
About four minutes from sign-up to a full picture: add your accounts, bring in your transactions, and Penny starts sorting, budgeting and reminding for you.
- 146 transactions imported
- 2 duplicates skipped
- 133 sorted automatically
StarbucksImport & auto-sort
Drop in a CSV from RBC, TD, BMO or any bank. Duplicates are skipped and merchants you’ve categorized before are sorted automatically.
Why people
choose Penny
Penny pulls your accounts, budgets, bills and goals into one calm dashboard, so you always know where your money went, what’s due next and what’s left after.
Alex’s net worth in the demo, up $37,017 across 12 months of tracked accounts.
See what’s due next
Penny lines up every recurring bill against payday, so a tight week never sneaks up on you.
Try the demoBudgets that warn early
A category turns amber while there’s still time to fix it.
A text before every bill
A week, three days and a day before it’s due.
Real answers from
your real numbers
Questions asked in the demo account, answered by Ask Oreo from Alex’s own transactions, budgets and bills.
“How am I doing on my budgets this month?”
Day 27 of 30: you’ve used $889.43 of $1,230 across 3 budgets. Groceries is running hot with $92.57 left, and Dining & coffee is over by $6.54.
RBC Royal BankCSV import supported“What’s due before payday?”
3 bills, $2,122.88: GoodLife Fitness tomorrow, Rent on Oct 1 and Rogers on Oct 9.
“Where did most of my money go this month?”
Rent was the biggest at $1,950 (42%), then Shopping at $732 and Groceries at $557.
TD Canada TrustCSV import supportedLocked down for you.
Helpful when you ask.
Penny never touches your bank login, keeps every query scoped to your account, and its assistant only reads a summary of your own numbers.
No bank passwords, ever
Penny never connects to your bank login. You add transactions yourself or import a CSV.
Your data, walled off
Sign-in by Clerk. Every database query is scoped to your account on the server, and the tables aren’t reachable from the public API.
AI that stays in its lane
Ask Oreo only sees your own numbers and can’t move money. It can tidy up your data for you, but every change waits for your Confirm.
Simple pricing
Start free. Upgrade when you want the whole toolkit.
Get the full picture of your own money.
- 2 accounts
- 3 budgets
- CSV import & export
- 5 Ask Oreo questions a day
Everything, including the AI assistant.
- Unlimited accounts & budgets
- Recurring bill detection
- Goals & loan tracking
- 100 Ask Oreo questions a day
- Priority support
Prices in CAD. Payments by Stripe. Cancel anytime.