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 . 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.

Is Pennygrove a financial advisor? Will it pick stocks for me?

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No, on purpose. Pennygrove is a coaching companion that helps you build budget habits and clarity about where your money goes. It won't recommend specific stocks, funds, or anything that promises a quick win — that's not what we're here for. For investment decisions, please talk to a regulated advisor.

Does it connect to my bank, or do I enter things manually?

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Both — your call. You can connect via Open Banking through Plaid in supported regions (UK, most of the EU, and the US) for a read-only view of your transactions, or just type things in by hand if you'd rather. Either way, Pennygrove never moves money on your behalf and we never see your bank login.

What if I have debt? Will the advice make me feel bad about it?

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Never. Pennygrove starts with where you are, not where you "should" be. Debt is a fact about your situation, not a moral failing — and the plan begins with one tiny win this week, not a lecture about the last ten years.

Is my data shared with my bank or any advertiser?

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No. We don't sell data, ever. We don't run ads and we don't have ad partners. We don't share anything with your bank. If we ever introduce a paid plan, it'll be a clear monthly fee — that's the whole business model.

Is it free? How do you make money?

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The core experience is free. A paid plan adds advanced budgeting features, unlimited goals, and family accounts — €0 to about €4 a month, cancel any time. You'll never get upsold mid-conversation; if a feature isn't on your plan we'll just say so kindly and move on.

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.

Cookies

Last updated 10 May 2026

Pennygrove keeps cookie use minimal. Here's exactly what's set:

Essential

A short-lived session cookie if you submit a form, so we can deliver the success state. Auto-deletes when you close your browser.

Analytics

We use Plausible — a privacy-friendly, EU-hosted analytics tool that doesn't store your IP, doesn't follow you around the web, and doesn't sell anything. No tracking pixels, no Facebook, no Google.

What we don't use

No advertising cookies. No cross-site trackers. No "consent management platform" because we don't need consent for the above under EU GDPR (Ireland's Data Protection Commission is our supervisory authority).

Opting out

If you'd rather not appear in our aggregate analytics, your browser's "Do Not Track" or any major content blocker (uBlock Origin, Brave) blocks the Plausible script entirely.

Privacy policy

Last updated 10 May 2026

Pennygrove ("we", "our") is a friendly AI personal-finance coaching app. We collect the small amount of information we need to chat with you, send your money plan, and follow up gently — nothing more.

A note on what Pennygrove is

Pennygrove is a self-service budgeting and financial-literacy companion. We are not a regulated financial advisor and we are not authorised by the Central Bank of Ireland to provide investment, mortgage, insurance, or pensions advice. For any decision that needs regulated advice, please speak to a qualified human advisor.

What we collect

  • Identity & contact — first name, email, optional money-goal selection
  • Chat content — what you tell Penny inside the app, so we can give useful coaching
  • Technical context — IP address, user agent, the page you submitted from
  • Source — UTM parameters and referrer when you arrive via a link
  • If you connect Open Banking — read-only transaction summaries via Plaid, never your login

Why we collect it

  • To send your money chats and follow-up emails you've asked for
  • To improve the product based on aggregated, de-identified usage
  • To meet our legal record-keeping obligations under Irish law

Who we share it with

We do not sell your data — ever. We don't share it with banks. We don't run advertising and we have no ad partners. We use a small number of vetted processors (cloud hosting, Plausible analytics, our email provider, and Plaid if you opt in) under data-processing agreements. A current sub-processor list is available on request.

How long we keep it

Active account records: while your account is open, plus up to 24 months after deletion in case you come back. Records required for accounting or legal reasons: up to 7 years (in line with the Companies Act 2014 in Ireland).

Your rights under GDPR

Pennygrove is established in Ireland and our lead supervisory authority is the Data Protection Commission (DPC) of Ireland. Under the EU General Data Protection Regulation you can request access, correction, deletion, portability, or object to processing at any time. Email [email protected] and we'll action within 30 days. If you're unhappy with our response, you can complain to the DPC at dataprotection.ie.

Pennygrove Limited · Registered in Ireland · CRO 758291 · 1 Grand Canal Square, Dublin 2, D02 X525, Ireland

Terms of service

Last updated 10 May 2026

By using the Pennygrove website or app you agree to these terms. They're written in plain language on purpose. If you don't agree, please don't use the service — no hard feelings.

What Pennygrove is (and isn't)

Pennygrove is a self-service budgeting and financial-literacy companion powered by AI. It is not financial advice. We are not a regulated financial advisor and we are not authorised by the Central Bank of Ireland. We don't recommend specific stocks, funds, mortgages, insurance products, or pensions, and we don't move money on your behalf. For decisions that need regulated advice, please talk to a qualified human advisor.

Acceptable use

  • You won't use the service to break any law or infringe anyone's rights
  • You won't reverse-engineer, scrape, or attempt to extract our underlying models
  • You're responsible for the accuracy of anything you tell Penny — coaching is only as good as the picture you share

Intellectual property

What's yours stays yours. Pennygrove doesn't claim rights over the chats, goals, or notes you generate. The app, brand, and underlying software remain ours.

Liability

Pennygrove is provided as-is. Money decisions are ultimately yours. To the fullest extent allowed by Irish law, our total liability for any claim is limited to the fees you've paid us in the previous 12 months. We're not liable for indirect or consequential losses, including any investment outcome.

Subscriptions & cancellation

The free plan is free for as long as you keep your account. Paid plans are billed monthly and you can cancel any time from inside the app — your access continues until the end of the period you've paid for.

Termination

Either of us can end the relationship at any time. We'll help you export your data on request. Consumer statutory rights under Irish and EU consumer-protection law are not affected by anything in these terms.

Governing law

These terms are governed by the laws of Ireland. Any disputes are subject to the exclusive jurisdiction of the courts of Ireland (Dublin).

Pennygrove Limited · Registered in Ireland · CRO 758291 · 1 Grand Canal Square, Dublin 2, D02 X525, Ireland · Contact: [email protected]