Simple, honest pricing.
No tricks.

Yes. No trial period, no credit card required, no expiry date. The free plan includes unlimited transactions, multiple accounts, monthly reports, and PDF downloads. It stays free as long as Pennify exists.

You immediately unlock bank account linking, AI spending insights, unlimited custom categories, CSV and Excel exports, and priority support. Your existing data stays exactly where it is.

Yes, any time — no cancellation fees, no questions asked. Cancel from your account settings and you keep Pro access until the end of your current billing period. After that you return to the free plan and your data stays intact.

Annual billing works out to $3.25/month for Pro (vs $4.99/month) — a 35% saving. You pay upfront for the year. If you cancel, we do not offer partial refunds for unused months, so annual billing works best if you are committed.

One Family subscription covers up to 5 people. Each member has their own account, their own transactions, and their own budgets. You also get shared views — a family spending overview, split bills, and shared budget goals.

Payments are handled by LemonSqueezy. We accept all major credit and debit cards (Visa, Mastercard, Amex), PayPal, and several local payment methods depending on your country.

If you are charged and feel it was a mistake, email billing@pennify.app within 7 days. We review every request and typically issue refunds for accidental charges. We do not offer refunds for partial months on annual plans.

Not yet — but it is on the roadmap. If the pricing is a barrier, email us at hello@pennify.app and we handle these on a case-by-case basis.