The Budgeting App With No App
No dashboards. No complicated setup. Just sign up and your personal budgeting friend will message you on WhatsApp. Whether you want it or not.
Start Budgeting for freeTrusted by 0+ people across Europe
How it Works
Add Personal Data
Fill in phone number to receive messages and your location for purchase recommendations.
Connect your Bank Account
Your past transactions are given to our AI agent to read, learn and provide insights that save you money.
Spending Advice
Visualize your spending habits, be aware of cheaper alternatives and budgeting advice based on your desires.
Spending Insights & Suggestions
Are you burning through your money by going out to diner, partying, shopping or by doing anything else you like? Don't worry, PennyMaster will help you save money whilst doing it.
So Easy Your Toddler Could Use It
Get setup in less than 2 minutes. No goal setting or manually categorizing transactions. No overly complicated dashboards, just simple messages.
Start Saving Money for less than a Coffee
All you need is to be aware of your spendings and better places to spend. That's where PennyMaster is your personal finance buddy.
Standard plan
1 Bank Account
Purchase Recommendations
Budgeting Advice
Spending Insights
Cancel anytime
Frequently asked questions
Tired of having to change your habits in order to save money?
Well my friend, you are not alone! PennyMaster helps you cut spendings without having to change your lifestyle.
Get spending tips