Zero-based budgeting|From $59.99/yr — less than half of YNAB's $109|The modern Mint alternative

Gain total
control of
your money.

Stop living paycheck to paycheck, get out of debt, and save more money. PennyPal makes every dollar visible — from income all the way down to that $4 parking ticket you forgot about.

15-day free trial · no credit card

this month, so far

Net worth

$18,240

+6.2%

Paycheck+$2,410

Rent−$1,200

Parking ticket −$4

New Release 2.0✦15-day free trial✦Pal Starter $59.99/yr✦Pal Pro $94.99/yr✦every price posted✦Bank-level encryption✦Cancel anytime✦no credit card✦New Release 2.0✦15-day free trial✦Pal Starter $59.99/yr✦Pal Pro $94.99/yr✦every price posted✦Bank-level encryption✦Cancel anytime✦no credit card✦

Monthly Income

$9,500

+4.2%

jan '26

Total Expenses

$6,250

-2.1%

dec '25

Saved This Month

$3,250

+12%

this mo

Goals Progress

39%

On track

q1 goal

Pending Review

3 items

Needs attention

check it

scroll to explore

Features that matter

Budgeting

Give every dollar a purpose with flexible spending plans, category targets, and a live view of what is safe to spend.

Active

Track recurring

Spot subscriptions and repeating bills automatically, so you always know what is due next and what can be cancelled.

AI insights

Pal AI finds spending patterns, flags surprises, and gives practical suggestions to help your money work harder.

Document vault

Keep important financial documents in one secure place and get reminders before policies, IDs, and warranties expire.

Credit card rewards tracker

See the rewards you are earning, discover the best card for each purchase, and make every point count.

Receipt scanner

Scan a receipt in seconds and PennyPal captures the merchant, total, and line items without manual data entry.

Split transactions

Split a single transaction between budgets, categories, or people so shared costs and mixed purchases stay accurate.

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See it, don't guess it

See where every penny
goes..

the how-it-works bit

How
PennyPal
actually
works

Connect your accounts

Link your bank, credit cards, and investment accounts in minutes via read-only sync — or prefer no bank connection? Enter transactions manually with our quick-entry mode. Same flexible budgets, same reports, total privacy.

Set your intentions

Allocate every dollar before the month starts. Adjust as life changes. No guilt trips, no red warnings — just a clear plan.

Watch the flow

See income cascade through spending buckets, categories, and subcategories in our animated Sankey diagram. Four levels of clarity.

Feel the progress

Small, satisfying signals show what's working. Goals tick forward, savings build, and your Pal AI keeps you honest without being annoying.

Real-time visibility:Every dollar tracked with zero-based precision · No ads · No data selling

256-bit bank encryption✦15-day trial✦Export CSV anytime

same method. half the price.

Pricing that isn't confusing

Zero-based budgeting shouldn't cost $109/year. PennyPal gives you complete financial clarity at honest prices.

Pal Starter

Perfect for getting started.

$59.99/year

Equivalent to $7.99/mo

Up to 5 bank accounts
Basic categorization
Monthly reports
Mobile app access

Get Started

Pal Pro

Master your financial life.

$94.99/year

Equivalent to $14.99/mo

Unlimited bank accounts
AI-powered insights
Custom categories & tags
Investment tracking
Priority support
Data export

Get Started

Pal Pro for an entire year costs less than two months of YNAB's monthly plan.

Pal Starter is just $0.16/day · 15-day free trial on every plan · Cancel anytime with zero hassle

Every price is posted because pay secrecy — or price secrecy — is just weird.

straight answers, no fine print

Got questions?

The things people actually want to know before they connect an account, start a trial, or trust an app with their financial life.

Yes. PennyPal connects to over 12,000 US banks and credit unions through Plaid, including Chase, Bank of America, Wells Fargo, Capital One, local credit unions, and most fintech accounts. If yours isn't there, you can add it manually and keep it in sync by hand.
Nothing automatic. We'll email you three days before your 15-day trial ends. If you do nothing, your account drops to read-only — your data stays, you just can't add new accounts. Upgrade whenever you're ready. No card is required to start the trial.
Yes. PennyPal is available on iOS and Android, both free with your plan. Everything syncs instantly — start a budget on your laptop and snap a receipt on your phone.
Never. Not to advertisers, data brokers, or "trusted partners." We make money from subscriptions. That's the entire business model.
No. Connecting is a read-only data link, not a credit application. There's no hard inquiry, no soft inquiry, and no footprint on your credit report.
No. The connection is read-only by design. We can't transfer, withdraw, or pay anything. Even if someone got into your PennyPal account, there is no button to move a dollar.
Export everything as CSV, then delete your account in two clicks. Deletion removes your data from our systems and revokes every bank connection. We don't keep a copy for analytics.
No. Your transactions never train any model — ours or anyone else's.
You get 90 days' notice and a full export. Your money was never with us, so there is nothing to unwind — just disconnect and go.
Anytime, instantly. Disconnecting cuts the Plaid link immediately. You choose whether to keep the history or wipe it.
No. Plenty of people run PennyPal fully manually with our CSV importer or manual quick-entry mode. You get the exact same zero-based budgeting, categories, and Sankey visualizer without linking a single account.
Yes. Connect everything and show only what you want. It's useful for joint accounts, business cards, or anything you'd rather not stare at daily.
Only if you invite them, and only the accounts you share. Shared budgets are opt-in per account, not per household.
PennyPal is built by ScruttLabs Inc., (background on our About page). We're real engineers and budgeters, with a real support inbox and no offshore chatbot.

no credit card. seriously. ↓

Start your free trial today

Join thousands of smart spenders who finally know where every penny goes. 15 days free, then Pal Starter from $7.99/mo ($59.99/yr) or Pal Pro at $14.99/mo ($94.99/yr).