Connect your accounts and see the next 30 days: what's safe to spend today, which bills just went up, and where the shortfall lands before it hits.
Founding members lock in 50% off for life
Most budgeting apps show you what you've spent. PennyBot shows you what's safe to spend today, accounting for the bills and subscriptions it detects as recurring.
Your finances, explained in conversation. Ask where your money went, what your biggest expense category is, or what is coming out next — the AI answers from your actual data.
Projected shortfall
Mar 26 · balance dips to −$142
Dining up 23%
vs. your 90-day baseline
Netflix increased
$15.49 → $17.99 monthly
Ranked by dollar impact
PennyBot watches your accounts in the background and flags what matters: a projected shortfall before it happens, a category that spiked, or a bill that quietly went up.
PennyBot detects the payments that repeat — rent, subscriptions, utilities — and counts them against your balance before you spend it, so a bill never lands as a surprise.
Lowest projected balance
$212 on Mar 26
PennyBot projects your balance forward using the bills and income it already tracks, so you can see a dip before it happens — not after.
Emergency fund
$420/mo needed · you're saving $515/mo · on this pace, Jan 2027
Visa balance
Paying $180 above the minimum clears it 7 months sooner.
Set a savings target or a debt payoff, link it to the account funding it, and PennyBot tracks the pace — telling you not just how far along you are, but whether you are going to make it.
Cash, investments, and debts in one number, so you can see whether the whole picture is moving the right way — not just this month's spending.
| Feature | PennyBot | Monarch | YNAB | Rocket Money |
|---|---|---|---|---|
| Daily safe-to-spend number | Yes | Partly | No | Partly |
| Warns before you run short | Yes | Partly | Partly | Partly |
| Alerts when a bill goes up | Yes | Partly | No | Yes |
| Finds your bills automatically | Yes | Yes | No | Yes |
| Savings and debt goals on pace | Yes | Yes | Yes | Partly |
| AI assistant | Yes | Yes | No | Yes |
| Envelope budgeting | No | Yes | Yes | Partly |
| Cancels or negotiates bills for you | No | No | No | Yes |
Securely link your bank accounts via Plaid Link. Read-only access — your credentials are never stored by PennyBot.
PennyBot ingests your transactions, detects patterns, and builds a real-time picture of your financial health including your Safe-to-Spend score.
PennyBot flags a projected shortfall, a spending spike, or a bill that went up — ranked by dollar impact, and tuned by what you accept or dismiss.
Your financial data is sensitive. We built PennyBot with security as a first principle, not an afterthought.
All data is encrypted in transit with TLS 1.3 and at rest with AES-256. The same standard used by major financial institutions.
PennyBot connects through Plaid with read-only transaction access. There is no payment path in the product at all — it cannot move your money.
The credential linking us to your bank is encrypted with AES-256-GCM before it is stored, and is never exposed to the browser.
Every update Plaid sends is cryptographically signature-checked before we act on it, so nothing can inject data into your account.
Identity management powered by Clerk — enterprise-grade auth with MFA and session management.
Your financial data is used to generate your Safe-to-Spend score and insights, and is shared with our AI provider only when you use chat. It is never sold or used to train public AI models.
PennyBot is opening soon. Everyone on the waitlist joins as a founding member — and keeps 50% off for life once paid plans arrive.
The founding rate applies when paid plans launch. One email when we open. No spam, and you can leave any time.