Discipline Score
Stay aware of your daily limit, momentum and streaks.
Premium dark finance experience
Take control of your money. Live with confidence.
PennyPilot: Expense & Budget helps you track spending, manage budgets, follow subscriptions, organise planned payments, monitor goals, understand your habits, and grow your net worth — all in one clean, modern workspace.
★★★★★
Track spending, stay within budgets, plan ahead and understand your financial habits in one place.
i Fictional demo data only
8+Powerful finance tools
1Clear financial command centre
24/7Financial clarity when you need it
SmartInsights built around your habits
HomeSettings
Good evening, AlexMy Dashboard
AP
DISCIPLINE SCORE
82 FOCUSED
Daily Limit ($ 18 / 60)
🔥 5-DAY STREAKSOLID
Budgets8 active
Goals3 on track
Subscriptions5 tracked
Planned12 upcoming
HomeTransactionsPortfolioAnalyticsMore
Net Worth$82,340
Up 6.3% this month with a healthy upward trend.
Monthly Spending$2,384
85% of your current budget has been used so far.
AI Insight
You spent 18% more on groceries this month. Consider a weekly cap or planned meal days to bring the category back on course.
Everything you need to take control
From everyday expenses to long-term wealth, PennyPilot brings your budgets, habits, subscriptions, goals and financial progress into one clear view.
Smart Budgets
Create category budgets and get early attention alerts.
Planned Payments
See upcoming bills and auto-add due payments.
Subscription Tracking
Track renewals, confirmations and monthly cost.
Goals
Monitor goal progress and move closer to what matters.
Portfolio & Net Worth
Watch assets, debts, cushion and growth over time.
Analytics & AI
Needs vs wants, unusual flags, trends and AI insights.
Multi-Account & Multi-Currency
Keep all your financial life in one place.
Explore your finances. See every detail.
Move naturally between daily spending, budgets, upcoming payments, subscriptions, goals, portfolio health and intelligent insights.
HomeSettings
Good evening, AlexMy Dashboard
AP
DISCIPLINE SCORE
82 FOCUSED
Daily Limit ($ 18 / 60)
🔥 5-DAY STREAKSOLID
Budgets8 active
Goals3 on track
Subscriptions5 tracked
Planned12 upcoming
HomeTransactionsPortfolioAnalyticsMore
Home + Discipline Score
TransactionsFilters
OverviewTransactions
AllAuto logged＋＋
Zeely AdsMarketing • 11:59 PM
$42.50Grocery HubFood & Drinks • 7:20 PM
$76.90Nordic RailTransport • 5:15 PM
$12.80Spotify PremiumSubscription • 9:05 AM
$10.99TodayThis MonthThis Year
Transactions
BudgetsMonthly
Total Allocated$3,900
Remaining$1,640
Groceries$740 / $900
Dining Out$412 / $500
Transport$156 / $300
Shopping$285 / $420
＋ New Budget
Budgets
Planned PaymentsFilters
Upcoming Income$2,200
Upcoming Expenses$1,364
Automatically add due paymentsApplies to confirmed and manual plans.
Upcoming 12To confirm 0Removed 7
Gothenburg EnergyJul 31, 2026 • Housing
-$280Gym MembershipAug 02, 2026 • Health
-$49SalaryAug 25, 2026 • Income
+$2,200Planned Payments
SubscriptionsOverview
Monthly Cost$83.42
Yearly$1,001
Premium auto-scan checks when transactions change and during background scans.
Upcoming 5To confirm 0Removed 2
A
AdobeRenews Jul 28 • Design
$22.90C
CanvaRenews Aug 04 • Work
$12.00S
SpotifyRenews Aug 09 • Music
$10.99Subscriptions
PortfolioThis Month
Assets vs Debts
$82,340.21
Assets 77%Debts 23%
Coverage3.5x
Liquidity29%
Debt Stress6%
Forecast (3M)$86,520+5.1% projected
Portfolio
Net Worth6M
FebAprJun
Current$82,340
Projected$86,520
Net Worth Trend
AnalyticsThis Month
PENNYPILOT COMPANION
• Groceries is your top category at $682. Meal planning could reduce it.
• Your Shopping spend is down 42% versus last month.
Needs vs Wants77% / 23%
Unusual FlagsHobbies +101%
Food & DrinksStable at 84%
HealthSpiked 9x
Analytics + AI Insights
Clarity for today. Direction for tomorrow.
Turn financial activity into a clearer story with visual trends, forecasts, category patterns and actionable guidance.
See momentum at a glance
Follow your progress through visual trends, forecasts and category comparisons designed to make complex financial information easier to understand.
One connected financial picture
Track every moveOrganise transactions, categories, accounts and currencies without losing the bigger picture.
Build stronger habitsUse your Discipline Score, daily limits and streaks to stay consistent without feeling restricted.
Plan ahead with confidenceSee upcoming payments, subscription renewals, goal progress and projected net worth before decisions become urgent.
Understand what changedSpot unusual spending, compare periods and receive focused insights that explain the numbers.
Ready to take control of your finances?
Track expenses, stick to budgets, stay aware of your discipline score, manage subscriptions, follow planned payments and understand your financial habits in one polished app.