Money clarity, calmly.
The personal finance app for people who earn in one currency and spend in another. Track invisible FX losses, plan with your real numbers, and ask an AI advisor that already knows your situation.
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Across 18 conversions vs ECB mid-rate
Penni: €312 this year is roughly 3 months of dining. Want to set a conversion budget?
Built for life across currencies · ECB rates
The hidden cost
The number that matters is the one no one shows you.
Every conversion has a real cost. Every goal has a real timeline. Every subscription is real money you keep paying. Penni surfaces what other apps quietly hide.
FX losses you never see
Your EUR→ALL transfers cost more than the mid-rate. We compare each conversion to the ECB rate and sum the difference.
Generic apps, generic advice
A €5k emergency fund means different things for different people. Penni knows your income, expenses, and goals before answering.
Calm finance, not anxiety
No streaks, no neon, no shame. Just your numbers, presented like a friend would, and an AI that talks to you, not at you.
What you get
Three things, done extremely well.
We didn't build another budgeting app. We built the parts of one we wished existed.
FX-loss tracking
Every currency exchange is compared to the ECB mid-rate. Your real cost, tracked monthly and yearly.
Ask Penni anything
It already knows your income, top expenses, goals, subscriptions. Get specific, grounded answers — never generic.
True from day one
Every transaction stores the original currency, your base currency, and the FX rate locked on that day.
How it works
From signup to clarity in three steps.
No spreadsheet to maintain. No bank connection required. Just the parts of money you actually want to think about.
Add your accounts
Bank, card, cash, investments — in any currency. Onboarding takes 90 seconds.
Log what moves
3-tap quick-add from anywhere. Splits, recurring, and conversions are all first-class.
Ask. Plan. Repeat.
Where can I save? Am I on track? Penni answers with your real numbers — and updates as you live your life.
Pricing
Your pace, your plan
Use it now and then, or integrate it into your daily flow.
Is my financial data safe?
Yes — and we take that seriously. Your records live in a private Postgres database with row-level security, so even our own engineers can't read them without your sign-in. Backups are encrypted, transit is HTTPS-only, and we never share or sell your data. If you leave, you take it with you.
Will Penni connect to my bank automatically?
Not in this version, and that's a deliberate choice. Manual entry is faster than you'd guess (three taps), works in every country, and keeps your credentials out of a third-party pipe. Direct bank sync for EU accounts is in development — you'll see it in 2027 without paying extra.
Can I cancel anytime, no strings?
Always. Pro is a monthly plan you manage from a Stripe-hosted portal — one click to pause or cancel, refunded on the spot if you change your mind in the first 14 days. Founding is a one-time payment, so there's nothing to cancel.
Which currencies do you support?
Over 30 — every currency the European Central Bank publishes a rate for, plus a few extras like the Albanian Lek that we sourced separately so multi-currency families aren't left out. Adding a new currency is a one-line change; ask and we'll usually have it the same week.
Is Penni giving me financial advice?
No. Penni is an analysis tool — it surfaces patterns in your own numbers and explains the trade-offs in plain language. You stay in the driver's seat for every decision. We'll happily flag “you spent more on dining than rent this month” — we won't tell you which stock to buy.
When will I get my invite?
We're opening seats in small batches so onboarding feels personal, not transactional. Most early signups hear from us within 7–10 days. The waitlist page tells you exactly where you are in line — and referring a friend bumps you up.
What if I'm not technical?
Then you're exactly who we built this for. There's nothing to install, nothing to sync, no API keys, no spreadsheet formulas. If you've used Notes on your phone, you can use Penni — and our AI advisor explains anything you're unsure about, in your language.
Let's get started
Join the private beta. No credit card. Your data stays yours.