Budgeting app for iPhone and Android · coming soon
Pennyjay is a calm money app that looks forward. See what’s safe to spend before payday, keep every bill and subscription in view, and plan a budget together, with a sharp-eyed blue jay who spots big money moves first.
One number for what you can spend before your next paycheck.
Large charges, price hikes and trials ending, as they happen.
Recurring charges detected and laid out on a calendar.
Budget together and keep private accounts private.
Look forward, not back
Most money apps tell you what already happened. Pennyjay starts with what’s coming: your balance, minus bills due before your next paycheck, minus what you planned to save. Then it shows you exactly how it got there.
Everything in one nest
Connect your banks, cards, loans and investments. Pennyjay sorts it out, keeps it current, and tells you only what’s worth knowing.
Alerts
Pennyjay watches for the moments that matter and tells you what happened, what it means, and what you can do about it. No guilt, no noise.
“Hulu went up from $17.99 to $19.99. Want me to keep an eye on it?”
Bills & subscriptions
Pennyjay finds recurring charges on its own, including annual ones and ones with amounts that change. You see what’s due this week, what’s coming in, and which days are paid.
Budgets
Pick the style that fits: category by category, one flexible number, or a budget that runs from paycheck to paycheck. Pace markers show where you should be today, so you can adjust early.
Transactions
New transactions land in a review stack. Swipe right if it looks good, left to change the category. Every automatic category shows why it was picked, and your edits are never overwritten.
Cash flow & net worth
A cash flow chart follows every paycheck through to where it was spent. Net worth tracks every account over time, with each balance showing when it was last updated.
Household
Invite a partner and switch between Household, Mine and Theirs views anywhere in the app. Any account can be private to its owner: its balances and transactions stay out of the other person’s view and totals.
And plenty more
Save up or pay down, with a monthly plan and a clear “on track”, “ahead” or “at risk”.
Portfolio value, allocation by asset class, and performance next to the S&P 500.
Ask questions about your money in plain words. Jay can look, not touch: changes only happen when you approve them.
A Sunday recap of spending, budgets, net worth and the bills ahead.
Plain-language rules that rename, categorize, tag and flag. You see how many past transactions each one matches.
Cash, cards, investments and loans, each showing when it last updated.
Cash flow, spending and income by month, quarter or year. Filter by account, category or tag, then export to CSV.
iPhone widgets for safe to spend, bills, budget, net worth and your review queue. A Quick Settings tile on Android.
Why Pennyjay
Blue jays bury thousands of acorns and remember where nearly all of them are. Pennyjay is built on the same idea: save small and often, and never lose track.
Balances say when they last updated. Automatic categories say why they were chosen. Alerts that arrive late say so.
Connection problems show up right away, with who needs attention and a one-tap reconnect. Your numbers never go quietly stale.
Money going out is just money going out, not a red warning. Red is saved for problems that need you, like a missed bill.
Pennyjay reads your accounts; it doesn’t move money. Bank logins go through the connection provider, never to us.
Change a category or a name and it stays changed. Automation proposes; you decide.
Short, specific notes with a next step. No guilt, no hype, no streaks to keep.
We’re putting the finishing touches on it now. Join the waitlist and we’ll email you as soon as you can download it. That’s the only email you’ll get from the list.
iPhone and Android, both from day one. Neither is a port of the other.
We haven’t set pricing yet. People on the waitlist will hear about it first, before anything is charged.
Through a secure, read-only connection from an established provider. You sign in to your bank through them, so Pennyjay never sees or stores your bank password, and it can’t move money. You can also add accounts manually or import a CSV.
Yes. Invite them to your household, switch between Household, Mine and Theirs views, and mark any account as private to its owner.
Yes. It finds recurring charges on its own, from weekly to annual, puts them on a calendar, and tells you about price increases and free trials about to convert.
Yes. If you exported your transactions from Mint as a CSV, Pennyjay recognizes the format, skips anything you already have, and shows you a preview before saving.
The real app, running with a sample household we made up for testing. None of the names or numbers belong to real people.
Pennyjay is almost ready. Leave your email and we’ll let you know the moment you can download it.