penny
Bank-level secure · powered by Plaid

The money you’re
losing, found.

Connect your accounts and Penny finds subscriptions to cancel, hidden fees, duplicate charges, overspending, and better ways to use your money — then texts you the fixes.

Connect accountsSee how it works

Read-only access. We never move your money.

N+

Netflix + Hulu + Disney+

$47.47/mo · you watch one

save $390/yr

$

Overdraft fee, twice

$35 × 2 this month

−$70

D

DoorDash charged twice

same day · $38.74

recover $38.74

hey — found $1,240/yryou’re losing 👀 want the biggest one?
yes please

Penny finds five kinds of money

Most of it isn’t one big thing — it’s small leaks you stopped noticing. Penny notices all of them, and adds up what they really cost.

Subscriptions to cancel

Forgotten free trials, duplicate streaming, the gym you stopped going to, quiet price hikes.

Hidden fees

Overdraft, ATM, foreign-transaction and late fees — the charges that slip by every month.

Duplicate charges

Double-billed subscriptions and the same purchase charged twice — flagged so you can claw it back.

Overspending patterns

Food delivery, impulse buys, lifestyle creep — the leaks you feel but never quite see.

Better ways to use your money

Idle cash earning nothing, cash-back left on the table, cheaper plans for what you already pay for.

$1,240/yr

The average Penny user finds over a thousand dollars a year in money they were quietly losing.

How it works

Connect once. Penny does the rest.

Step 1

Connect securely

Link your accounts on the web through Plaid — the same bank-grade connection thousands of finance apps use. Read-only.

Step 2

Penny reads everything

She combs every transaction for the five kinds of money you're losing and adds up exactly what each leak costs you a year.

Step 3

She texts you the fixes

The biggest win lands as a text on iMessage with one clear next step. Reply anytime — Penny's already looked at your accounts.

The secure core

Connect on the web.
Penny texts you.

You link your accounts here, once, behind bank-level encryption. That’s the vault. From then on Penny lives where you already are — she texts you the moment she finds money, and you can ask her anything right back.

  • Bank-grade encryption, powered by Plaid
  • Read-only — Penny can look, never touch
  • Daily money texts, only when there's something worth saying

Penny

active now

morning ☀️ you’re paying for Netflix, Hulu AND Disney+ — that’s $47/mo and you only watch one.
drop two and that’s ~$390/yr back. want the cancel links?
yes do it
Bank-level encryptionPowered by PlaidRead-only accessWe never move your money

Find the money you’re losing.

It takes about a minute to connect. Penny does the rest and texts you the first win.

Connect accounts