Three steps. No jargon. No judgment. Just clarity.
Who Penny is for
You spend before you think. Emotions and algorithms guide your decisions. A bad day becomes a Klarna order. Stress becomes a new outfit. You know it's happening — but you can't seem to stop it.
“I didn't realize I'd spent 4 000kr on Klarna this month. It never felt like real money.”
You want to take control. You just don't know where to start. Every budgeting app feels complicated. Every plan falls apart after week one. You're not lazy — the tools just weren't built for you.
“I know I should save. But every time I try to make a plan, I give up because it's too complex.”
How it works
Penny doesn't lecture you. It learns you.
Answer a short, science-backed quiz. Penny maps your money psychology — what triggers your spending, what holds you back, and what would actually motivate you. No two plans are the same.
Takes 90 secondsOne BankID tap. Penny connects through PSD2-regulated open banking — read-only, encrypted, GDPR compliant. We never see your password and we never sell your data.
Bank-grade securityPenny coaches you in real time. The moment you're about to spend against your goals, a gentle nudge appears — combining behavioral psychology with your live financial reality. Goals get closer. Impulses lose.
Always on your sideComing with LOVE — when Penny is ready for the world
Join the early waitlist and be first when Penny opens in your country.
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