Your money,
understood.
An AI portfolio coach that lives on your phone. It tracks every investment you own, watches your portfolio while you sleep, and tells you exactly what to do.
See it in action
Stocks, crypto, bonds, real estate, RSUs, gold, retirement — one app that tracks it all and tells you what it means
Your rational
second opinion
"Should I sell before tax day? Am I too heavy in tech?" Ask anything — Penny knows your actual portfolio and gives you a straight answer. Type or talk hands-free.
Pro-grade tools,
zero jargon
Fee drag analysis, concentration risk scoring, liquidity assessment, sector & country exposure — the same tools wealth managers use, explained in plain English.
Wealth manager tools. Zero fees.
Everything a financial advisor does — fee detection, tax savings, rebalancing — in your pocket
Ask Penny Anything
"Am I too heavy in tech?" Penny checks your actual allocation and gives a straight answer. Text or voice
Investment Checkup
Health score across 14 sub-asset classes, concentration risk, and dollar-amount rebalance plan
Tax-Loss Harvesting
Scans holdings for unrealized losses, estimates savings, and suggests similar ETF swaps
Statement Scanning
Photograph any brokerage statement — AI Vision reads tables and extracts holdings automatically
Fee Analyzer
Find hidden costs eating your returns. 30-year fee drag projection with cheaper alternative suggestions
Voice Coach
Speak your question, hear Penny's answer. Streaming responses start before the full answer is ready
Cashflow Calendar
Dividends, bond coupons, RSU vesting dates, and rental income — all on one timeline
Retirement Planner
Monte Carlo simulation with 5,000 scenarios. Factors in Social Security, inflation, and contributions
Smart Alerts
Portfolio drift detection, tax-loss opportunities, price targets, and weekly goal check-ins — 24/7
What-If Simulator
"What if I add $5,000 of VOO?" See how allocation, diversification, and risk change before you trade
Ask Before I Buy
Enter a ticker before buying — Penny rates the fit and suggests a position size based on your portfolio
Dividend Tracker
Track announced, pending, and received dividends. YTD income, yield, and upcoming payment schedule
Household Net Worth
Track your family's combined wealth. Assign holdings to members with per-person breakdowns
Liquidity Analysis
Know how fast you can access your money. Liquid, semi-liquid, and illiquid buckets at a glance
Transaction History
Every trade recorded. Cost basis calculation, realized and unrealized P&L, and fee tracking
Portfolio Labels
Organize holdings into groups — Personal, Retirement, Kids, Joint, Emergency, Education, Speculative
Market News
Financial news filtered by relevance. Categories for stocks, crypto, real estate, and economy
Watchlist
Track assets you don't own yet. Real-time prices alongside your portfolio with quick-add
Every Asset Type
Stocks, crypto, bonds, real estate, RSUs, gold, retirement accounts (401k, IRA, ISA, RRSP & 40+ more)
Loan Tracker
Track debts alongside assets for true net worth. Mortgage, auto, student, personal, and credit card
PDF Reports
Generate and share portfolio reports with allocation breakdown, holdings, and returns
Live Crypto Prices
Sub-second price updates via Binance WebSocket. Real-time pulse indicator on crypto holdings
30+ Currencies & 4 Languages
Dynamic currency with live exchange rates. Available in English, Turkish, German, and Spanish
100% Private
Data stored on your phone. AI only sees percentages and asset names — never dollar amounts or share counts
Scan, import,
done
Point your camera at a brokerage statement and Penny extracts your holdings automatically. Or import a CSV. Your entire portfolio is in Penny in under a minute.
Your portfolio is
drifting right now
Penny watches your portfolio 24/7 and tells you when something's off. Your data stays on your device.