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Master your money with an AI that plans with you

A friendly personal finance blog and smart assistant that helps families, couples, and singles budget, save, and invest—together.

Get free tips Explore the App ➜

🔒 Bank‑level security ✨ AI guidance 📈 Real results

🤖 Pennywise — Your AI Money Coach

You
We’re expecting a baby in March—how should we adjust our budget?

Pennywise
Congrats! Let’s plan for one‑time costs, recurring expenses, and an emergency buffer. I’ll draft a shared budget and timeline.

You
Can you show me what we can save by cancelling unused subscriptions?

Pennywise
You have 4 low‑usage subscriptions. Canceling 2 could save ~€28/month. I’ll suggest which ones and handle reminders.

⏱️ Personalized, on your schedule Try the App

👨‍👩‍👧 For Families

Shared goals & chores budget
Kids’ allowances with guardrails
Plan big moments: school, travel, home

💞 For Couples

Split‑wise smarts without the math
Money check‑ins that don’t suck
Save for rings, homes, and honeymoons

🧍 For Singles

Zero‑stress budgeting
Investing primers you’ll actually finish
Automations that build habits

✅ Smart, shared budgets

Create one plan with roles and reminders that fit how your household actually works.

✨ AI planning & nudges

Your assistant spots patterns, suggests tweaks, and celebrates wins.

🔐 Privacy by design

Read‑only connections and bank‑grade encryption keep your data safe.

1

Connect & set goals

Securely link accounts or start manual. Choose goals like debt‑free, emergency fund, or first home.

2

Get a living plan

We craft a budget & timeline that adapts—split across people, categories, and due dates.

3

Automate & grow

Automations nudge you, move money, and keep everyone aligned. You just approve.

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“We finally stopped arguing about money.”

The shared check‑ins changed everything.

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Maya & Luís — Lisbon

“The AI caught duplicate subscriptions in a minute.”

Easy €30/month back.

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Andreia — Porto

“Our kids love the goal charts.”

Allowances are now painless and fun.

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João & Inês — Braga

Frequently asked questions

Do I have to connect my bank?▾

No. You can start with manual tracking. If you connect, we use read‑only access and bank‑grade encryption.

Is the AI secure?▾

Yes. Data is encrypted in transit and at rest. You control what’s shared across your household.

Will this stay free?▾

The blog is free. The app will have a generous free tier and optional paid automations.

Ready to plan your best money year?

See the interactive prototype and how Pennywise helps families, couples, and singles stay on track.

Open App ➜