Stop tracking your finances

Let AI do the tedious parts — categorize, budget, analyze and report. You decide how to spend.

Claude
Help me organize my finances.

I went through your last 3 months — here’s what I can clean up:

  • 62 charges stuck in “General” — recategorized (that “SQ *BLUE BOTTLE” one is Coffee)
  • 3 subscriptions you may have forgotten — Adobe, Calm, an old gym
  • Your rent split from your partner’s half
  • A grocery budget set from your actual 3-month average

Want me to go ahead, or start with just one?

Wise Penny connects your bank data to AI

And gives it the tools to organize and analyze your money for you.

Claude
ChatGPT
MCP
Any AI
Wise Penny
Checking
Credit card

Use any AI you like — Claude, ChatGPT, or any MCP-compatible assistant. No lock-in.

Chat with your money

There is no app. Just chat and tell AI to organize your budgets, set reminders, watch your accounts, even do complex analyses.

Get organized

“Go through my last 3 months and categorize everything — fix the charges stuck in the General bucket.”
“Set up rules so my coffee shops, groceries, and gas always categorize themselves.”
“Split our rent and the shared bills between me and my partner.”
“Find my subscriptions and flag any I’ve forgotten I’m paying for.”
“Set monthly budgets for groceries and dining based on what I actually spend.”

Big decisions

“We’re thinking about buying a house. Build a comparison of monthly costs in SF vs. nearby suburbs — factor in home prices, mortgage rates, and what we’d save on rent. Forecast our savings over 10 years.”
“What can we cut to save up to buy a new Tesla? How long would it take?”
“What would happen to our savings rate if we moved from SF to Austin? Factor in rent, state taxes, and cost of living.”
“We want to take a year off to travel. Based on our current savings and spending, can we afford it? What would we need to cut?”

Save money

“Go through my and my partner's subscriptions. Which can we consolidate or get family plans to save money?”
“Look at our energy bills for the last year. Would solar panels make sense at our usage level?”
“Find me a better deal on car insurance based on what I’m currently paying.”
“Compare what we spend eating out vs. cooking at home this month. Would a meal kit save us money?”
“Based on our spending habits, what are the best credit cards for us for maximum cash back?”

Do things

“I got double-charged at a restaurant last week. Find the transaction and their contact email, and draft a refund email.”
“Based on the restaurants we actually go to, find us new local restaurants in a similar price range.”
“Pull together everything I'd need for my accountant — income deposits, business expenses, deductible categories.”
“Summarize our financial month — spending up or down, any unusual charges, where we’re trending.”
“Are there any bills we've forgotten to pay this month? What expected charges are coming up this week?”

Start simply by asking AI what it can do:

“What can you do to help me manage my finances with the Wise Penny tools?”

Bring in your people

A Wise Penny circle lets you share accounts with the right people — your partner or spouse, a business partner, or a financial advisor. So you can manage finances together.

Home

You + spouse

  • Joint checking
  • Your savings
  • Partner’s credit card
Your business

You + business partner

  • Business checking
  • Business card

You choose which accounts go into each circle. Keep anything private, and every circle stays completely separate.

Set up in under two minutes

1

Connect your bank

Connect your bank through Plaid or upload bank statements.

2

Connect your AI

Add Wise Penny to Claude, ChatGPT, or any MCP-compatible assistant. It’s very straightforward.

3

Start organizing

Just say “Help me organize my finances.” It takes it from there — no detailed instructions needed.

Privacy-first

Data

We don’t sell your data or use it for training AI. We never will.

Control

You can disconnect your bank, disconnect your AI, delete your data, or unshare specific accounts from a circle any time.

Access

Wise Penny does not have access to your bank accounts. We get data via Plaid (a trusted partner of Chase, BofA, Schwab, other major banks).

Not another budgeting app

Monarch, Copilot, YNAB leave you with messy data, cleanup chores, and generic dashboards.

With Wise Penny, AI does the cleanup, answers your real questions and does your research.

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