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
Most apps round off the number that actually matters.
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.
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 casually for free. Upgrade when Penni becomes part of your daily rhythm.
Full access, great if you check in once or twice a week.
- 1 account
- 20 transactions / month
- Data stays yours · export anytime
Designed to effortlessly fit into your everyday flow.
- Unlimited accounts & transactions
- AI advisor (Claude Haiku 4.5)
- FX-loss + subscriptions tracker
- Advanced reports & exports
Is my financial data secure?
Yes. Your data lives in Supabase (Postgres) with Row Level Security — only you can read your own records. We never sell or share data with third parties. Backups are encrypted at rest.
Does Penni connect to my bank?
Not yet. V1 is deliberate, manual entry — fast, private, works in every country. Bank sync via GoCardless (EU) is on the roadmap for V3.
Can I cancel anytime?
Yes. Pro is a monthly subscription you control from a Stripe-hosted portal. Founding is a one-time purchase — no recurring charges, ever.
What currencies are supported?
Any currency the ECB publishes a rate for via frankfurter.app — over 30 majors including EUR, USD, GBP, ALL, CHF, JPY, and more.
Is this financial advice?
No. Penni is an educational analysis tool. We surface patterns in your numbers and explain trade-offs — but we never tell you what to buy or sell.
When will I get access?
We're inviting founding members in waves. Joining the waitlist puts you on the list — referring friends moves you up.
Let's get started
Join the private beta. No credit card. Your data stays yours.