Take control ofyour money
Track your spending, crush your debt, and see exactly when you'll be financially free. PennyWise is your personal finance coach powered by AI.
Free to download
Dashboard
Everything you need to crush your debt
Smart budgets, personal tips, and powerful tools to track your money and reach financial freedom faster.
See your debt-free date
PennyWise calculates exactly when you'll be debt-free based on your current payments. Watch your freedom date move closer as you make progress and see how extra payments can save you months or years.
*Based on example with £100/month extra payment. Individual results vary.
Daily Check-In
Build healthy money habits with daily expense tracking. Log your spending in seconds, build a streak, and stay accountable to your budget every single day.
- Quick expense logging
- Daily spending vs budget target
- Streak tracking for motivation
Smart Budgeting
Create a budget that actually works for you. See exactly where your money goes with beautiful category breakdowns and track your daily budget in real-time.
- Visual category breakdown
- Daily budget tracking
- Debt repayment built-in
What-If Simulator
See exactly how extra payments impact your debt-free date. Slide to add extra monthly payments and watch your freedom date move closer in real-time.
All Your Debts, One Place
Track credit cards, loans, and overdrafts in one dashboard. See your total debt, annual interest cost, and which debt to focus on next based on your chosen strategy.
- Track all debt types
- See annual interest costs
- Log payments as you go
Choose Your Strategy
Compare debt payoff strategies side by side. See exactly how "Cost Saver" (avalanche) and "Quick Wins" (snowball) affect your debt-free date and total interest paid.
Your Financial Health Score
Get a personalised score out of 100 based on your debt, interest rates, and savings. Track your progress as you pay down debt and build better financial habits.
Open Banking Integration
We're working on connecting directly to your bank accounts via Open Banking. Soon you'll be able to automatically sync your transactions, track spending in real-time, and get even more accurate insights.
Four steps to take control
From debt and chaos to clarity and control.
Download the App
Get PennyWise free from the App Store and create your account in seconds.
Add Your Debts
Enter your credit cards, loans, and overdrafts with their interest rates.
Create Your Budget
Set up a monthly budget with categories that match your lifestyle.
Watch Debt Disappear
Track daily spending, follow your payoff plan, and celebrate milestones.
Your data is safer
with us
We use the same security standards as major banks. Your financial data is encrypted end-to-end and protected with enterprise-grade security.
Bank-Level Encryption
256-bit AES encryption for all data
Secure Authentication
Phone verification and PIN protection
Data Privacy
Your data is never sold or shared with third parties
Open Banking Ready
Bank connectivity coming soon via FCA-authorised Yapily
Protected by
Enterprise-grade security
Compliant
Registered
Coming Soon
FCA Partner
Ready to crush
your debt?
Download PennyWise today and start your journey to financial freedom. Track spending, crush debt, and see your progress in real-time.