What is really on the card now.
Private cash-flow planning
Know what you can really spend before payday.
PennyPact shows your projected available money and the lowest your balance could hit after bills, BNPL, groceries, reserve pots and expected income. Manual-first. No bank login.
Current balance
+Income left
-Still to pay
=what you can really spendMoney expected before the period ends.
Bills, BNPL, subscriptions and planned pots.
Built around the month you actually live
Less guessing. More useful warnings.
Know what is safely available
Projected available starts with your real card balance, then accounts for expected income and money still due.
Catch the lowest balance
The timeline highlights the point where your month gets tight, before it becomes a surprise.
Keep the plan honest
Update card balances, track reserved pots and keep manual planning close to real life.
Manual-first, by design
A calmer way to plan bills, paydays and reserved money.
See the lowest point
PennyPact forecasts the tightest moment before payday, so a healthy-looking balance does not trick you.
Protect reserved money
Ring-fence groceries, savings or next month money without pretending it has already left your account.
Plan the messy stuff
Bills, subscriptions, BNPL, instalments, debts and flexible spending sit in one manual plan.
Stay private
No PennyPact account, no bank login and no card credentials. Optional public-holiday lookup never sends budget amounts.
PennyPact Pro
Unlock more when your planning grows.
Available with PennyPact Pro.
Available with PennyPact Pro.
Available with PennyPact Pro.
Available with PennyPact Pro.
Available with PennyPact Pro.
Available with PennyPact Pro.
Available with PennyPact Pro.
Private by default
Your budget starts on your device.
No PennyPact account. No bank login. No card credentials. Your budget data stays on this device and, if enabled, syncs through your own iCloud. Optional public-holiday lookup may fetch country holiday dates without sending your budget amounts.