Alternatives to Pennies

Boldin is DIY retirement planning software with Boldin AI what-if scenarios, tax projections, and Monte Carlo analysis.

Origin is an SEC-regulated AI financial advisor that syncs every account, builds your budget, and tells you what money move to make next.

Automated investing, high-yield cash, and retirement accounts with tax-smart management built in.

Bill planning, budgeting and account tracking with a large calendar, built for iPhone, iPad and Mac.

Copilot Money is a paid personal finance app for iPhone, iPad, Mac, and Web that auto-tags your spending and rolls budgets, investments, and net worth into one

PocketGuard is a budgeting app that shows your safe-to-spend "Leftover" cash after bills, goals, and debt payments

Cleo AI is a chat-based money coach that analyzes your spending, automates savings goals, and delivers blunt, funny feedback on bad habits.

Mobile AI assistant that lives inside your apps for calendar, expenses, translation, and replies.

Fortune City turns expense tracking into a city-building game, helping you build better money habits.

Pine is an AI phone agent that calls customer service, negotiates bills, cancels subscriptions, and files complaints for you.

A weekly budgeting app that gives you one Safe-to-Spend number each week.

Free personal finance app for credit scores, product comparisons, and smarter money choices.

Free, ad-free manual expense tracker for Android and iOS with double-entry booking and receipt photos.

AI expense tracker that logs spending by voice, text, photos, or Apple Pay automation — no bank sync required

Apple-native budget tracker with bank sync across 2,800+ European banks and read-only AI access from local MCP clients.

Fast expense and income tracker for iPhone, iPad, and Mac.

Toshl Finance is a cross-platform personal finance tracker for Android, iOS and the web — manual entry or automatic bank sync, with visual budgeting.

Privacy-first AI personal finance manager unifying accounts, budgets, goals, and investments.

Goodbudget is an envelope budgeting app for couples and families, syncing one shared budget across Web, Android, and iPhone.

Preso Budget turns your real transaction history into a self-tracking budget and years-long financial plan.

AI wealth manager Finn connects your accounts, monitors them 24/7, and helps you move idle cash into higher-yield investments.

Create multiple cards for teen allowances, spending budgets, and shared funds.

Self-hosted personal finance dashboard with optional OpenAI categorization, MCP server, and live demo.

YNAB's zero-based budgeting method, delivered through a native mobile app.

Private wealth OS consolidating your entire financial life into one intelligent dashboard.

Subscription tracker and budgeting app that cancels and negotiates bills for you

A paid budgeting and net worth app built for couples who want one shared financial picture.

Uno Wallet is an AI wallet that auto-routes every iPhone tap to your highest-earning credit card.

E.Y.E. by Expert Chase is a personal AI assistant that reads your tasks, calendar, health and finances in one app.

AI-native tax filing with human CPA review, built for high-income professionals, equity-comp and complex filers.