Debt managementmade effortless
Take control of your finances. Add your debts, create a budget, and get a clear path to becoming debt-free with AI-powered insights.
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Open Banking support coming soon for your favourite banks
Become debt-free faster
PennyWise calculates exactly when you'll be debt-free and shows you how to get there sooner. Our smart strategies help users pay off debt months or even years ahead of schedule.
*Based on debt payoff strategy calculations. Individual results vary.
AI-Powered Insights
Get personalised recommendations based on your spending habits. Our AI analyses your finances and suggests ways to accelerate your debt payoff.
- Personalised financial advice
- Spending pattern analysis
- Actionable debt payoff tips
In-Depth Budgeting
See exactly where your money goes with detailed category breakdowns. Track your spending against your budget and stay on target.
- Visual spending breakdown
- Category-based tracking
- Monthly budget goals
Smart Payoff Strategies
Choose the debt payoff method that works best for you. We'll show you exactly how each approach affects your timeline and total interest paid.
Your debt-free date, calculated
Enter your debts once and we'll show you exactly when you'll be debt-free. Adjust your monthly payments and watch your freedom date move closer.
Open Banking Integration
We're working on connecting directly to your bank accounts via Open Banking. Soon you'll be able to automatically sync your transactions, track spending in real-time, and get even more accurate insights.
Four steps to financial freedom
A clear path from where you are now to where you want to be.
Create Account
Sign up in seconds with just your phone number.
Add Your Debts
Enter your credit cards, loans, and overdrafts.
Create Budget
Set up a budget that works for your lifestyle.
Become Debt-Free
Follow your personalised plan and watch your debt disappear.
Your data is safer
with us
We use the same security standards as major banks. Your financial data is encrypted end-to-end and protected with enterprise-grade security.
Bank-Level Encryption
256-bit AES encryption for all data
Secure Authentication
Phone verification and PIN protection
Data Privacy
Your data is never sold or shared with third parties
Open Banking Ready
Bank connectivity coming soon via FCA-authorised Yapily
Protected by
Enterprise-grade security
Compliant
Registered
Coming Soon
FCA Partner
A new year of financial freedom
PennyWise officially launches on 1st January 2026. Start the new year with a clear path to becoming debt-free.
Join the waitlist now to get early access and be notified at launch
Ready to become
debt-free?
Join our growing community of people taking control of their finances with PennyWise.