Bring your own AI, or use ours

Both plans connect your financial data to the AI assistants you already use. Wise Penny AI adds in-app chat — answers and charts with zero setup. Cancel any time.

Wise Penny BYO-AI4 months free

Bring your own AI

$6per month

$72 charged every year.

Cancel anytime.

MCP access for Claude, ChatGPT, or any AI assistant
Banks via Plaid, or statement uploads
Unlimited automation — rules, budgets, goals
Circles — share with a partner or advisor

Subscribe · $72/yr

Wise Penny AI4 months free

In-app chat included

$10per month

$120 charged every year.

Cancel anytime.

Everything in BYO-AI
In-app chat that already knows your accounts
Creates charts and dashboards for you, and (soon) can schedule recurring checks

Subscribe · $120/yr

Your card is charged when you subscribe.

Every plan includes

The only difference between the plans is in-app chat. No “contact sales,” no usage caps.

Every AI assistant

Claude, ChatGPT, or any MCP-compatible assistant. Unlimited connections, unlimited calls.

Unlimited automation

Rules, budgets, goals, recurring detection — no caps.

Connect banks or upload statements

Connect your banks directly via Plaid (up to 10), or upload statements if your bank doesn't allow direct connections.

Circles

Share a holistic financial picture with a spouse or partner. Let your financial advisor in as an observer.

Frequently asked

What's the difference between the plans?: Wise Penny BYO-AI connects your financial data to AI assistants you already pay for — Claude, ChatGPT, anything MCP-compatible. Wise Penny AI includes all of that, plus chat built into the app, with nothing to set up.
When am I charged?: Your first payment is due when you subscribe. If you already have a trial, it continues until its original end date.
Cancel anytime: On a paid plan, you keep access until the time you’ve paid for runs out.
No refunds: All payments are final. You can cancel any time to stop future renewals.
Secure payment processing: Payments run through Polar. Your card details never touch Wise Penny’s servers.