Pennygrove Get the app

A kinder way to think about money

Hey, let's figure money out together.

Pennygrove is your friendly AI money coach. We chat through budgets, saving goals, and the small decisions in plain language — no jargon, no judgement. Small steps count.

Free to start
No bank login needed
Cancel anytime

Start with one small step.

Tell us a tiny bit about you — we'll send your first money chat. No spam, ever.

By signing up you agree to our privacy policy. We'll never sell your info.

How it works

Three little chats — that's the whole thing.

No spreadsheets to fill in, no scary onboarding. Just three friendly conversations and you're up and running.

Step one

Say hi.

Tell us your first name and what feels heaviest about money right now — that's it. No bank logins, no pressure.

Step two

Have a chat.

Penny asks gentle questions in plain language. We figure out a money picture you can actually live with.

Step three

Take a small step.

One tiny action a week. That's all we ever ask. Small, kind, doable steps that actually stick.

Why people love it

The friendly bits that make money feel less heavy.

We built Pennygrove because most money apps either lecture you or hand you a stack of charts. Neither one helps when you're feeling stuck.

Plain English, every time.

No "compound annualised" anything. We talk about money the way a kind friend would — clear, warm, never patronising.

Tiny steps, big calm.

One small action a week is what builds a habit. We won't ask you to track every coffee — life's too short.

No scary numbers.

We won't bury you in spreadsheets or red pie charts. Pennygrove is a chat — it feels human because it sounds like one.

Zero guilt, ever.

Skipped a week? Spent more than you planned? It happens. We meet you where you are and start again — kindly, without the lecture.

Questions, gently answered

No silly questions here.

Do I need to connect my bank?

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Nope, not at all. Pennygrove works just by chatting. If you ever want to sync your bank later you can — but you really don't have to.

Is this for people who are bad with money?

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There's no "bad with money". There's only "I haven't found a system that fits". Pennygrove is for anyone who wants money to feel a little less heavy — beginners very much included.

Will Pennygrove tell me what to invest in?

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No — we're a coaching companion, not a financial advisor. We help with budgeting, saving habits, and small day-to-day money decisions. For investment advice, we'll always point you to a qualified human.

How much does it cost?

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There's a free tier with everything you need to get started. If you want unlimited chats and goal tracking, there's a small monthly plan. Cancel any time, no awkwardness.

Is my data safe?

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Yes. Your chats are encrypted in transit and at rest. We never sell your data and you can delete your account at any time from inside the app. We treat your information the way we'd want ours treated.

Ready when you are.

Whatever's going on with your money — we'll figure it out together. One small step at a time.

Start with one small goal

Free to start. No card needed.