On-device · Mac and iPhone · Personal finance
Your money, answered on your own device.
Bring in your bank statements and ask about them the way you would ask a person. Nothing is uploaded, no bank login is ever requested, and the whole thing keeps working with the internet switched off.
₹48,210
across 63 transactions
- Rent and utilities₹22,000
- Groceries and eating out₹11,480
- School fees₹6,500
Where did the money go last month?
The problem
Your bank shows you a list. You wanted an answer.
Every statement you have ever been sent is a wall of rows with the useful part left as an exercise for you. The apps that do the thinking instead want your bank login, your transaction history on their servers, and a subscription. Those are the only two options most people are offered.
What Penny does
Three things, done properly.
Reads your statements
Hand it the PDFs your bank already sends you. Several banks, several years, all in one place, without retyping anything into a spreadsheet.
Answers in plain language
Ask what you actually want to know — how much you spent on what, when a payment started, whether a subscription is still going out.
Sorts itself out
Transactions arrive already grouped into the categories you would have made yourself, so the first useful answer arrives before you have done any work.
The four promises
What we are accountable to.
A money app is asking for the most sensitive file most people own. These are the commitments the product is being built around, not features to be traded away later.
- It stays on your device Your statements are read, stored and answered on the machine in front of you. There is no account to make and nowhere for the data to be sent.
- It works offline Aeroplane mode, a dead connection, a train through a tunnel — none of it changes what Penny can answer.
- No bank login, ever Penny never asks for your net-banking credentials and never connects to your bank. It reads the statements you already have.
- You can delete all of it One action removes every statement and everything derived from them, with nothing left behind on a server you cannot see.
Deliberately not shown
We are not putting the hard part on a website.
How a small device reads a bank PDF correctly, and answers questions about it without sending anything anywhere, is most of the work and all of the moat. Design partners see it under NDA. Everyone else gets the sentence above.
Withheld until launch
- Statement reading
- On-device answering
- Categorisation
- Accuracy testing
Nothing is hidden behind those bars — there is no text underneath them to reveal.
Early access
Want it before everyone else?
Penny is in build. We are taking a small number of people who will actually put their own statements through it and tell us where it is wrong.