Know Where Every Dollar Goes.
Sound Familiar?
Money comes in, money disappears
You earn decent money but somehow there's never enough left at the end of the month. Where does it all go?
Spreadsheets are painful
You've tried tracking expenses manually. It lasted about 3 days. You need something that just works.
Pay off debt first, or start saving?
There's a million opinions online, but none of them know YOUR actual financial situation.
Revenue looks great, but where's the profit?
You run a small business or side hustle. Sales seem good, but after all costs... how much do you actually keep?
Built for Real Life
Whether you're managing a household budget or running a small business, Pennova adapts to you.
- Track daily spending across all categories
- AI coach that gives personalized saving tips
- Set budgets and get alerts before you overspend
- Weekly financial health report
Pennova = An AI That Gets Your Money
Not just another tracking app. This is a financial coach that learns from your patterns and gives advice that's actually relevant.
Chat With Your AI Coach
Ask anything about your money — personal or business. "Am I actually profitable?" or "Where can I cut costs?" — get clear, honest answers based on YOUR real data.
Track Spending in Seconds
Log expenses manually in 5 seconds, or snap a receipt. AI auto-categorizes everything. No spreadsheets, no accountant needed.
See Your Full Picture
Beautiful dashboard: personal spending breakdown, business P&L, cash flow trends — all in one place. Supports 50+ currencies.
Weekly Smart Reports
Every Monday, Pennova sends you a summary + personalized insights. Not generic tips — real analysis based on your actual spending patterns.
People Are Taking Control
“I discovered I was spending $400/month on small purchases I didn't even notice. Pennova showed me the pattern in week one.”
“I run a small online store. Pennova showed me my actual profit margin was 6%, not the 20% I assumed. That insight alone was worth a year of subscription.”
“Finally an AI that actually understands my finances without me needing an accounting degree. I just chat normally and get real answers.”
Join people worldwide taking control of their finances
Simple Pricing. Real Value.
Less than a coffee per week — and it might save you hundreds every month.
Free
Just getting started
- 5 AI chats per day
- 1 budget category
- Basic weekly report
- Manual expense tracking
- Dashboard insights
- Mobile & desktop access
Pro
Serious about my money
- Unlimited AI chat
- Unlimited categories
- Receipt scanning (OCR)
- AI financial plan
- Weekly + monthly reports
- Spending pattern analysis
- Budget alerts
- Export to Excel/PDF
30-day money-back guarantee
Business
I run a small business or freelance
- Everything in Pro
- Automatic P&L reports
- Separate personal & business tracking
- Multi-business support
- Business expense insights
- Revenue trend analysis
- Export to Excel/PDF
- Priority AI responses
💳 Pay with Visa, Mastercard, PayPal, or local payment methods
🔒 Cancel anytime. No contracts. No hassle.
Frequently Asked Questions
$4.99/mo. Could Save You $500+
On average, Pennova users discover $300-800 in "invisible leaks" per month they never noticed before.