Meet Penney, your savings sidekick
Every impulse buy has a victim. Its name is Penney.
Hit your savings targets and Penney thrives. Blow $40 on a 2am takeout and it’ll let you know how it feels about it. Penney links your accounts so it always knows how you’re really doing.
Penney
The savings app where your bank account has feelings.
The same number, two ways of hearing it
58% of target on the 14th.
What every other app shows
$232 of $400
on track
What Penney shows
$232 of $400
Penney is bright.Both are accurate. Only one of them gets opened on a Tuesday.
Meet Penney.
Penney is the coin. It watches the same numbers your bank does and tells you what they mean, in roughly one sentence a day. It does not judge a single purchase, it does not do guilt, and it never pretends a bill is a mistake.
Penney is bright.There is a switch in settings that turns Penney off entirely and leaves the dashboard working. We would rather you kept using it without Penney than stopped using it because of Penney.
Proactive, not naggy
Before payday
Fires the evening before pay lands, because that is when the plan gets made.
Does not fire on a Friday night, when it would just be noise.
When something large arrives
Fires on a discretionary purchase above a threshold you set.
Does not fire on rent, bills, groceries, transport, pharmacy or childcare, ever.
Weekly recap
Fires on a Sunday evening in Penney’s voice.
Does not include a single transaction by name, because the shape of the week is the useful part.
When the month goes wrong
A boiler is not a budgeting failure.
Transaction
Home, unplanned essential
Penney is steady.Adjusted target
- Original
- $400.00
- Boiler
- −$120.00
- This month
- $280.00
The target moves for one month. Your pace is worked out against the new figure, and November goes back to $400.
- Penney separates unplanned essential costs from discretionary spending and adjusts the target rather than the tone.
- Penney never reacts to a bill the way it reacts to a fourth takeaway in a week.
- You can decline the adjustment and keep the original target if you would rather push on.
What Penney can and cannot do.
- Read-only access through a regulated aggregator. Penney can see transactions and balances and cannot move money.
- Your account credentials are never shared with us and never stored by us.
- You can disconnect an account from the app, and the transaction history goes with it.
Sent at 09:04 on the fourteenth.
See what Penney makes of a month.
Look at a fortnight, let something large land, and watch the target move. The demo takes about two minutes.