Just type it. We'll track it.
Skip the spreadsheets and clunky forms. Tell AIPennyPal what you spent in plain English — it sorts the category, finds the vendor, and turns your money into clarity.
No credit card required.
Everything you need. Nothing you don't.
A focused toolkit for understanding your money, built around how you actually think about it.
Natural-language input
Type 'spent 12 on lunch' or 'Netflix 15.99 monthly'. No dropdowns, no friction.
Smart auto-categorization
AI infers the right category and vendor, then learns the way you label things.
Recurring charges
Subscriptions and bills are detected and tracked so nothing slips through.
Goals & budgets
Set targets per category and watch your progress with crisp, honest visuals.
Ask anything
"How much did I spend on coffee in May?" Get answers in plain English.
Beautiful dashboards
Trends, breakdowns, and month-over-month deltas designed to be glanceable.
From thought to chart in seconds
Three small steps, the same every day.
Type it like you'd say it
"$8 oat latte", "Uber 22.40 last night", "rent 1850 monthly". Whatever's natural.
AI does the boring work
Vendor, category, amount, recurrence — extracted instantly and ready to edit if needed.
See the whole picture
Trends, categories, recurring drains, and budget progress, all in one calm dashboard.
Your finances, answered in plain English.
No pivot tables. Just ask. AI Penny Pal reads your actual transactions and replies with the number, the trend, and the so-what.
You spent $87.42 on coffee in May across 19 visits — up 12% from April.
Blue Bottle was your top spot (8 visits, $38.10).
Stop guessing where your money goes.
Start tracking in plain English. Get the clarity in minutes — and keep it for free.
No credit card required.