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Grow with Penny.
Credits reset every month.
No hidden fees. Cancel anytime.
Free
€0
forever
50 credits / month
- Connect your bank
- Monthly spending overview
- Financial personality test
- Basic transaction tracking
- Penny AI chat
- Future vision
- Algorithm shield
- Savings goals
Most popular
Pro
€7
per month
500 credits / month
- Everything in Free
- Penny AI chat
- Future vision — 2 paths forward
- Algorithm shield
- Savings goals & plans
- Spending pattern analysis
- Monthly insights report
- Unlimited analysis
- Social media connection
Premium
€14
per month
Unlimited credits
- Everything in Pro
- Unlimited AI conversations
- Social media connection
- Klarna & BNPL tracking
- Priority support
- Early access to new features
- Expert financial coaching sessions
- Custom savings strategies
How credits work
Think of credits as your monthly AI budget. Every action with Penny uses a small amount.
🏦Connect a new bank
5 credits💬Chat with Penny AI
2 credits / msg🔮Generate future vision
10 credits📱Analyze social media
15 credits🎯Create savings plan
20 credits📊Monthly full report
5 creditsCredits reset on the 1st of every month. Unused credits do not roll over.
Questions
Your money deserves better than a spreadsheet.
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