Net worth & cash flow
See where the money went, and where you stand
Pennyjay brings every account into one picture: a cash flow chart that follows each paycheck to where it was spent, and a net worth that tracks everything you own and owe over time.
How it works
Bring in every account
Checking, savings, credit cards, brokerage, retirement and loans, plus manual accounts for things like a house or car.
Watch it add up
Net worth over one month to all time, with what changed and why.
Follow the money
Cash flow by category group or category for any date range, with a table view for every chart.
The details
Investments
Portfolio value, allocation by asset class, and performance compared with the S&P 500.
Goals that keep pace
Save up or pay down with a monthly plan and a clear on track, ahead or at risk.
Reports and export
Cash flow, spending and income by month, quarter or year, filtered by account, category or tag, with CSV export.
Every balance is dated
Each account shows when it last updated, so you know how fresh the number is.
Questions
Can I include my house or car?
Yes. Add manual accounts for assets and loans that don’t connect to a bank.
Does Pennyjay track investments?
Yes: portfolio value, allocation by asset class, and performance next to the S&P 500.
Can I get my data out?
Yes. Export transactions and balances to CSV at any time.
More in Pennyjay
- BudgetsBudget by category, with one flexible number, or paycheck to paycheck. See what’s left per day and where you should be today, with rollovers.Learn more
- Safe to spendSee what’s safe to spend until your next paycheck, after bills, planned savings and a buffer, with a projected balance and the math behind it.Learn more
- Budgeting for couplesPlan money together in Pennyjay. Invite your partner, switch between Household, Mine and Theirs views, and keep any account private to its owner.Learn more
Be first in the nest
Pennyjay is coming to iPhone and Android. Leave your email and we’ll tell you when you can download it.