Own what you
actually own.
Penny is your AI portfolio coach.
Track every asset, get a brutally honest 0–100 score on what's dragging you down, and see exactly how to fix it — all in one place. No bank login. Works anywhere.
Everything you own, in one place.
Connect your accounts and assets to see your whole financial picture — easy to find, easy to understand.
Stocks, crypto, ETFs, real estate, RSUs, retirement and gold — your whole net worth in one place.
Connect 10+ brokerages or drop in a CSV. Your portfolio is in Penny in under a minute.
No more juggling five apps and a spreadsheet. See what you own and what it's really worth, live.
Add holdings manually, by import, or by scan — Penny never asks to connect your bank, and only uses the context needed to help.
Answers you can
actually trust.
Penny's AI turns your questions into clear answers — personalized, grounded in your holdings, delivered instantly. Ask “Am I too heavy in tech?” and get a real answer, not a generic tip.
A brutally honest 0–100 score that calls out hidden fees, fake diversification and concentration — then shows the fix.
Clear takes on your portfolio, risk and goals in seconds — grounded in what you actually own, not generic advice.
Invest with clarity.
Monitor your portfolio in real time and go deeper on every position with your AI advisor by your side.
Track your whole portfolio and compare returns to major indices, in real time.
See where your money is — by asset class, sector and risk — and whether it fits your goals.
Real-time prices, fundamentals and insight for every stock, ETF and coin you hold.
Live markets, earnings and dividend dates, and AI takes on news that moves your holdings.
See where your money is headed.
Model scenarios — from a market crash to early retirement — and see how your money could grow over time.
Retirement planner
A Monte Carlo simulation across 5,000 scenarios shows the odds you'll reach your number.
What-if simulator
Test a buy, sell or rebalance before you make it — see the impact on risk and returns first.
Tax-loss harvesting
Penny surfaces tax-saving opportunities across your holdings automatically.
Manage money as a household.
Add your household to see the full family picture — combined net worth, allocation and goals, all in one shared, intelligent view.
Everything in one app
Your whole financial picture — track it, understand it, and act on it.
Get your score
in two minutes.
Download Penny and meet your AI portfolio coach — free.