Finance + AI, unified

Master your financial future
Plan, forecast, and control your money with confidence

Go beyond tracking. Build a proactive money plan, forecast cash flow, and stay in control of every decision for stronger financial health.

Proactive subscription control
Forward-looking cashflow forecasts
Financial health dashboards
Start planning nowGo to Demo (No Login)
Built for real-life money planning
Personal planningFamily budgetsFreelance cash flowSide projects

Subscription Control

Plan recurring costs, cap surprises, and keep every subscription accountable to your budget.

Planning & Forecasting

Model cash flow before it happens. Stress test goals, scenarios, and trade-offs in seconds.

Planning Alerts

Stay ahead of due dates and budget drifts with alerts that keep your plan on track.

Complete financial clarity

From daily transactions to long-term wealth building, get the tools you need to understand and grow your money.

Subscription Control
Plan, audit, and optimize recurring services so every recurring cost stays intentional.
Cost Breakdown
See monthly and yearly impacts, then set caps and actions to keep your plan aligned.
Payment Calendar
View all upcoming payments in a calendar view. Plan your budget around billing dates.
Security & Privacy
Protect your account with features like two-factor authentication and passkeys. We’re privacy-first and don’t monetize by selling personal data.

Security & Privacy

Your data security is our top priority.

Plan with clarity, act with confidence

Map your money, forecast outcomes, and stay accountable to the plan that builds your financial health.

1

Map your money

Capture income, bills, and subscriptions with guardrails that keep your plan realistic.

2

Forecast the path

Model cash flow and scenarios before they happen so you always know what's next.

3

Achieve the goal

Set actions, trim waste, and keep progress visible so your plan sticks.

What you can do in Penzo

Everything you need to build a plan you can trust, with visibility into what happens next.

Forecast cash flow
Project your balance forward based on recurring income and expenses, then adjust before surprises happen.
Understand spending by category
Organize transactions with categories so you can see where your money goes and what to change.
Stay ahead of recurring money
Track subscriptions, bills, and recurring income so upcoming commitments are always visible.
Keep contexts separate with workspaces
Use workspaces to separate personal, family, or project finances while keeping one account.

Frequently asked questions

Quick answers to help you understand how Penzo works and whether it’s right for you.

Is Penzo a budgeting tool or a forecasting tool?
It’s built for planning: organize your money, track recurring items, and forecast what your cash flow will look like.
Do I need to set everything up before it’s useful?
No. Start with recurring income and bills, then add categories and details as you go—your forecast gets better over time.
Can I track multiple contexts (personal, family, projects)?
Yes. Workspaces let you keep finances separated without juggling accounts or mixing data.
What about privacy and security?
Security features like two-factor authentication and passkeys help protect your account. We’re privacy-first and don’t monetize by selling personal data.
Can I export my data?
Yes. Export options are available for analysis and backups (for example CSV exports in key areas).
What’s the demo experience?
The demo is a safe way to explore the product with sample data. Your real account uses your own workspaces and entries.

Plan your money with confidence

Build a plan you can trust—forecast, prioritize, and stay accountable to what matters.

Start planning nowView Demo

No credit card required • Free tier available • Secure by design

Get in touch

Have questions? We'd love to hear from you.

Email us atinfo@penzo.app
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