What Pennyjay does

A budgeting app for iPhone and Android that looks forward: what’s safe to spend before payday, every bill on one calendar, and alerts before money gets tight.

• 

  Safe to spend

  See 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.

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• 

  Bills & subscriptions

  Pennyjay finds recurring bills and subscriptions automatically, puts them on a calendar, and warns you about price hikes and free trials ending.

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• 

  Budgets

  Budget by category, with one flexible number, or paycheck to paycheck. See what’s left per day and where you should be today, with rollovers.

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• 

  Budgeting for couples

  Plan money together in Pennyjay. Invite your partner, switch between Household, Mine and Theirs views, and keep any account private to its owner.

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• 

  Spending alerts

  Get alerts for large, unusual or duplicate charges, fees, a low balance coming up, price increases and trials ending. With quiet hours and a daily digest.

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• 

  Net worth & cash flow

  Track net worth across cash, cards, investments and loans, see where every paycheck went, and follow your portfolio’s allocation and performance.

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• 

  Debt payoff planner

  Plan your way out of debt with the snowball or avalanche method. See your debt-free date, months saved and interest saved as you add extra payments.

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• 

  Stashes

  Give every dollar a job. Stash money for the car insurance due in March, a trip, or extra debt payments, right on top of your real balances. Pennyjay never moves money.

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• 

  Switching apps?

  Coming from Mint, YNAB, Monarch or Copilot: what carries over, what’s different, and how to bring your history.

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