Your money.
Roasted.
Penny is your AI financial coach — sassy, smart, and brutally honest about your spending. Connect your bank and find out where your money actually goes.
Okay bestie, you dropped 347 € on takeout this month. That’s basically a weekend trip to Barcelona. Just saying. 🍝✈️
Can I afford new sneakers?
With 412 € left and 9 days to go? Technically yes. But your future self called — she said maybe wait till payday. 👟💸
Ask Penny something...
Everything you need.
Nothing you don’t.
A financial coach that actually gets you
Penny roasts your spending, celebrates your wins, and gives you real advice — like a best friend who's weirdly good with money.
- AI-powered chat
- Personalized insights
- Zero judgment (okay, a little)
Your bank, connected in seconds
Link your account via Tink (BaFin-licensed, PSD2 compliant) and Penny instantly sees where your money goes. No spreadsheets required.
- 2,000+ German banks
- Bank-grade encryption
- Disconnect anytime
Budgets that actually work
Set a monthly budget and Penny keeps you honest. She'll let you know when you're crushing it — and when you're definitely not.
- Smart category budgets
- Real-time tracking
- Proactive alerts
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To get started
Ready to get roasted?
Download Penny for free and find out what your money has been doing behind your back.