It all starts with a Pennie.

Smarter money. Less effort. Meet Pennie AI — your intelligent financial sidekick.

Pennie AI is the smart, secure money app built with one goal: to help you track, verify, and protect your spending — automatically. Powered by advanced AI, Pennie learns your spending habits to help you stay in control — without spreadsheets, manual input, or mental math.

No ads. No gimmicks. Just AI working for you — not the banks.

Key Features:
• Safe & Secure
Bank-level encryption and read-only access. Your data is yours, and never sold.

• AI-Powered Chat and Insights
Ask Pennie anything — from your top spending category to how this month compares to last. Thousands of transactions, instantly analyzed.

• All-in-One Dashboard
Securely link over 10,000 institutions including Chase, Citi, Amex, Wells Fargo, Venmo, Apple Card, and more — and view everything in one place.

• Smart Budgets & Predictions
Budgets that adapt to your habits. Pennie learns your patterns and offers AI-powered suggestions to stay on track.

• Savings Goals with Intent
Tag transactions or accounts toward your goals and budgets, and let AI help you pace and reach them.

• Cash Flow Intelligence
Visualize your net income, recurring expenses, and monthly trends — powered by AI pattern detection.

• Subscription & Fee Tracking
Pennie automatically detects recurring charges and fee increases — even the ones you might miss.

Terms Of Use: https://pennieai.com/terms-of-service