We'll never block your money.
Penny can't actually touch your money. Your money is your money. Penny will just help you form a better relationship with it.
Private beta · UK · 2026
Finding it hard to make saving a habit? Penny can help.
Penny is a savings accountability coach that helps you achieve your goals. It looks at what you really earn and spend and sets an achievable target.
- Low friction
- Privacy by design
- Empathy first approach
How Penny works
A coach in your pocket, working with your habits.
Most apps just tell you what to do. Penny will look at what's really happening: your pay, your bills, where your money tends to go. Then it builds a plan around the life you actually have, not the one a spreadsheet thinks you should.
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01
Picture the goal you're saving toward.
Penny starts with the future, not the process. What do you want more of? What would financial freedom look like? Name it and own it. Penny will get you there.
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Connect your bank through Open Banking.
A secure connection through the UK's regulated Open Banking, authorised by your bank's own login. From there, Penny will understand your pay, your bills and your spending patterns and learns the shape of your current financial life. No guesswork, no generic budgets. This data stays on your device. Never on our servers.
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Get a plan that's actually yours.
Once Penny understands your context, Penny will build an achievable target around you. End up with a plan that feels like yours, not one borrowed from someone else's life.
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Celebrate wins, gently reflect on the rest.
Every deposit gets a real moment of acknowledgement. When things don't go as we expect, Penny will ask you to refelct. Noticing the thought behind the spend is how the habit slowly rewires itself.
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Hit it, miss it, keep going.
Reached your goal? Penny celebrates properly, then helps you choose what's next. Build on what you've just learned about yourself. Start another saving round! Fell short? Life happens. You'll look back together at what got in the way, and Penny will rework the plan so it fits the you of today. Either way, you're moving forward.
What Penny stands for
The rules we hold ourselves to.
No friends list, no leaderboards.
No streaks against strangers. No "people like you saved more." Money is personal. Savings is personal. Penny keeps it that way.
We celebrate the good weeks, and sit with the hard ones.
Every habit has tough weeks. When yours comes along, Penny helps you understand what happened, gently, never with a lecture. Shame doesn't build habits. Support does.
Perfection is the enemy of good.
We are not chasing perfection. It's not a matter of getting everything right down to the last penny. It's about consistency.
Your data stays on your device.
Your spending, your goals, your reflections: they live on your phone, always. Nothing is stored on our servers. Penny works for you, never off your data.
Saving is a journey.
Saving doesn't end when you hit a goal. Penny is built for this. It will remember your journey to provide a personal experience throughout.
Be among the first 100.
The closed beta opens to a small group. One short email when we're ready for you. That's all this list does.