What is really on the card now.
Private cash-flow planning
Know what you can really spend before payday.
PennyPact shows your projected available money and the lowest your balance could hit after bills, BNPL, groceries, reserve pots and expected income. Manual-first. No bank login.
Current balance
+Income left
-Still to pay
=what you can really spendMoney expected before the period ends.
Bills, BNPL, subscriptions and planned pots.
Built around the month you actually live
Less guessing. More useful warnings.
Know what is safely available
Projected available starts with your real card balance, then accounts for expected income and money still due.
Catch the lowest balance
The timeline highlights the point where your month gets tight, before it becomes a surprise.
Keep the plan honest
Update card balances, track reserved pots and keep manual planning close to real life.
Manual-first, by design
A calmer way to plan bills, paydays and reserved money.
See the lowest point
PennyPact forecasts the tightest moment before payday, so a healthy-looking balance does not trick you.
Protect reserved money
Ring-fence groceries, savings or next month money without pretending it has already left your account.
Plan the messy stuff
Bills, subscriptions, BNPL, instalments, debts and flexible spending sit in one manual plan.
Stay private
No bank login, no card credentials and no budgeting account. iCloud backup is optional.
Private by default
Your budget starts on your device.
PennyPact does not ask for banking passwords or card numbers. Optional iCloud backup and household sharing use Apple iCloud, and support is handled by email only when you choose to contact us.