Pricing
PennyPal Pricing – Plans that grow with you
PennyPal pricing is a simple, transparent subscription model built for zero-based budgeting. Plans include Pal Starter at $59.99/year and Pal Pro at $94.99/year, each with a 15-day free trial.
Start free, stay flexible
15-day free trial
No credit card required
Cancel anytime
Subscription Plans & Options
Pal Starter
Perfect for getting started.
$59.99/year
Or $7.99/mo billed monthly
- Up to 5 bank accounts
- Basic categorization
- Monthly reports
- Mobile app access
most popular!
Pal Pro
Master your financial life.
$94.99/year
Or $14.99/mo billed monthly
- Unlimited bank accounts
- AI-powered insights
- Custom categories & tags
- Investment tracking
- Priority support
- Data export
Pal Pro for an entire year costs less than two months of YNAB's monthly plan.
15-day free trial on every plan · No credit card required · Cancel anytime
A calmer way forward
Take control of your money — confidently
PennyPal helps you build better financial habits with clarity, calm, and confidence — no spreadsheets required.
No credit card required · Your data stays private
Small steps
1Start your free trial
2Connect your accounts
3Pick a plan when you're ready