Penny: Net Worth & Portfolio

Penny is the AI portfolio tracker that actually explains your money — not just your balances.

Track stocks, ETFs, crypto, gold, real estate, RSUs, and retirement accounts in one place. Then ask Penny anything: "Am I too heavy in tech?" or "Should I rebalance?" — and get a clear, plain-English answer based on your real portfolio.

No account linking. No jargon. Just honest insight into what you own and what needs attention — allocation drift, hidden fees, dividends, concentration risk, and tax-loss windows.

TRACK EVERYTHING YOU OWN
• Stocks, ETFs, crypto, gold, bonds & REITs
• Real estate properties with rental income
• RSUs with vesting schedules
• Retirement & savings accounts (401k, IRA, ISA & many global types)
• Loans & liabilities for true net worth
• Import via CSV, scan statements with your camera, or add manually

AI COACH FOR YOUR REAL PORTFOLIO
• Ask Penny anything — text or voice
• "Am I too heavy in tech?" — Penny checks your actual allocation
• "Should I rebalance?" — get plain-English portfolio context
• Weekly check-ins and personalized nudges
• Proactive alerts for drift, concentration risk & tax opportunities
• Educational guidance in plain language, not generic tips

PRIVACY FIRST
• No account linking required
• Add holdings manually, by CSV, or by statement scan
• Penny is built for privacy-conscious investors who do not want to connect every brokerage account
• Works offline

POWERFUL ANALYSIS TOOLS
• Investment Checkup — health score across 4 dimensions
• Fee Analyzer — find hidden costs eating your returns
• Retirement Planner — Monte Carlo simulation with 5,000 scenarios
• Tax-Loss Harvesting — find money you're leaving on the table
• What-If Simulator — test portfolio changes before making them
• Concentration risk warnings (HHI-based)
• Liquidity breakdown — know what you can access fast
• Rebalance Calculator — set target allocations and get exact buy/sell trades
• Portfolio Roast — a brutally honest 0–100 score with what to fix

UNDERSTAND YOUR MONEY
• Interactive donut chart with tappable segments
• Real-time prices from Yahoo Finance, CoinGecko & Finnhub
• Live crypto streaming via Binance WebSocket
• Cashflow calendar with dividends & vesting events
• Household net worth for families
• Dividend tracker with income projections
• Transaction history with cost basis

SMART ALERTS
• Price alerts on any holding
• Dividend & earnings reminders
• Portfolio drift warnings
• Tax-loss harvesting opportunities
• Runs server-side — works while your app is closed

MORE FEATURES
• Dark mode with clean neutral theme
• 9 languages: English, Spanish, French, German, Portuguese, Turkish, Japanese, Korean & Chinese
• Portfolio labels & tags for organizing holdings
• Watchlist for assets you don't own yet
• PDF report exports
• Live market browser with indices, forex & commodities
• Milestone celebrations when your portfolio grows

PENNY PRO
Subscribe to unlock unlimited AI coaching, voice conversations, advanced analysis, PDF exports, and priority support. 3-day free trial included.

Available as monthly ($6.99/mo) or annual ($49.99/yr) subscription. Payment charged to your Apple ID at confirmation. Auto-renews unless canceled 24 hours before period ends. Manage in Account Settings.

Terms: https://www.getpenny.org/support
Privacy: https://www.getpenny.org/privacy