Private beta — early 2026
Money advice
that answers back.
Penni is an AI companion for your financial life. It reads your accounts, explains what's happening, and helps you decide what to do next — without a single spreadsheet.
Penni · today
9:41You spent $184 less on takeout this month. Want to move the difference into savings?
Yes — and remind me to check in on Sundays.
Done. I moved $184 to Emergency Fund and set a Sunday check-in. You're now 62% to your 3-month goal.
This month
$2,418
spent · 12% under budget
Saved automatically
$640
across 4 goals
Conversational
Ask anything about your money. Get answers grounded in your real accounts — not generic advice.
Proactive
Penni watches for subscriptions creeping up, bills out of pattern, and chances to save automatically.
Private by design
Read-only bank connections, end-to-end encryption, and zero data sold. Ever.
How it works
Three steps to a calmer relationship with money.
01
Connect
Link your accounts in under a minute. Read-only, bank-grade.
02
Converse
Tell Finch your goals. It learns your patterns and priorities.
03
Compound
Small nudges, weekly check-ins. Better decisions on autopilot.
Security
Built like a bank.
Acts like a friend.
- 256-bit encryption at rest and in transit
- Read-only access via regulated aggregators
- SOC 2 Type II — in progress, Q2 2026
- Your data is never sold, ever
Be among the first to try Penni.
We're inviting a small group each week. Leave your email — we'll reach out when it's your turn.