About PennyPal
About PennyPal – Financial Clarity for Everyone
PennyPal is an independent zero-based budgeting platform developed by ScruttLabs Inc., built on private read-only bank connections and AI financial intelligence.
Monthly progress
Saved
$420
Spent
$1,280
What we believe in
Clarity over complexity
Your finances should be easy to understand. We focus on clear insights instead of overwhelming data.
Habits over perfection
Small, consistent actions matter more than perfect budgeting or rigid rules.
Control stays with you
Your data, choices, and goals always remain in your control — no dark patterns.
Built for real people
PennyPal is built for real people — not finance experts. Whether you're just getting started or refining your habits, PennyPal helps you feel calmer and more in control of your money.
Why we built PennyPal
ScruttLabs Inc.
Like millions of people, I watched budgeting apps get bought up, overloaded with features no one asked for, or suddenly double their subscription renewal prices to $100+ a year. When Mint shut down, the remaining apps treated loyal users like an extraction opportunity.
I built PennyPal to give people the exact zero-based budgeting method that actually works, backed by simple AI pattern detection and a clean, honest price. No price secrecy, no selling user data to credit card brokers, and no guilt trips.
A calmer way forward
Start building better money habits
PennyPal helps you understand your money, stay organized, and move forward with confidence.
No credit card required · Your data stays private