Budgeting that plans ahead
Plan ahead for the money you know you’ll need.
PennyGo turns your income, bills, savings and everyday spending into a clear plan for each week, fortnight or month. See what needs to be set aside, what’s already covered and where your money needs to go — without tracking every transaction or connecting your bank.
Plan ahead · Set it up once · No bank connection required · Shared or separate finances
Payday
$2,800
- Bills$850
- Savings$300
- Left after plan$1,200
- Buffer$450
$1,600 goes where your plan needs it. $1,200 is left after your planned commitments.
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Budgeting shouldn’t feel like a second job.
You shouldn’t have to recalculate what to set aside every payday, keep a mental list of when bills are due, work out annual costs on the back of an envelope, or renegotiate who pays what every time something changes.
And you shouldn’t have to connect your bank or hand over a detailed transaction history just to build a useful plan.
Plan what matters. Keep the touchpoints light.
Privacy-first by design
No bank connection needed
PennyGo works without linking directly to your bank. You add the information your plan needs and stay in control of your actual accounts and transfers.
No account or card numbers required
PennyGo doesn’t ask for BSBs, account numbers or card numbers. Name where your money lives without having to hand over your banking credentials or card details.
Less tracking. More planning.
Instead of watching every transaction, PennyGo helps you decide where your next pay goes.
You decide what PennyGo knows.
Meet Penny · PennyGo Plus
Meet Penny, your guide to your money plan.
Penny helps you understand your plan and takes some of the work out of keeping it useful. Ask questions, set up planned expenses, turn bills into useful plan information or let Bill Watch keep an eye on regular bills for you.
- Ask why a number looks the way it does or what something in PennyGo means.
- Tell Penny about a planned expense and she’ll help prepare it step by step.
- Upload a bill and Penny can read the useful details and get them ready for review.
- With Bill Watch, Penny can watch for regular bills in Outlook or Microsoft 365 and flag something that looks different or may be missing from your plan.
Penny can prepare, explain and suggest, but you stay in control — nothing is silently added or changed.
See what Penny can do
More than a budget. A plan for your payday.
See what’s coming up, what needs to be covered next, where your money needs to go, and how your savings are tracking.
Plans forward, not backwards
PennyGo looks ahead at your upcoming commitments and works out what needs to be set aside or moved for the week, fortnight or month ahead.
Different rhythms, one plan
Your income can arrive on one schedule while bills, spending and savings run on another. PennyGo keeps those timings clear without forcing everything onto payday.
Makes annual bills less painful
PennyGo works out what needs to be set aside over time based on when an expense is actually due, so annual and less-frequent bills don’t arrive as surprises.
Shared expenses, separate accounts
Plan shared costs using custom contribution percentages while everyone can keep their own income and bank accounts separate.
Savings that grow with your plan
Start with what you’ve already saved, plan regular contributions, record extra contributions and see your projected balance over time.
Share without oversharing
Invite someone to a read-only view of your plan and choose whether their view includes your income or keeps it private.
Built around real-life money.
Money looks different in every household. Whether you’re planning on your own, sharing costs with a partner, or splitting bills across a household, PennyGo brings the moving parts into one clear plan.
Budgeting on your own
Keep your bills, savings and everyday spending organised around the way you actually get paid.
The bills you don’t think about every month still matter.
Car registration. Insurance. School costs. Repairs. Annual renewals. The things that don’t show up every month.
PennyGo works those less-frequent expenses into your plan so you can set money aside across your paydays instead of finding the whole amount at once — see how that works when you budget around your pay cycle.
Car registration · yearly
$960 a year
$40 a pay
Everything you need to plan what happens next.
See what’s coming up, what each payday needs to cover, where your money needs to go, and how your savings are tracking.
Payday plan
To transfer this pay
$1,600
- Bills accountCovers 9 upcoming bills$850
- SavingsHoliday + car service$300
- Buffer bucketFor the unexpected$450
Savings goals
- Summer trip$2,040 of $3,000
- New laptop$820 of $2,000
- Car service$450 of $500
Bills & expenses
Coming up in 7 days
- RentDue Fri · fortnightly$620
- ElectricityDue Sun · quarterly$310
- Mobile & internetDue Mon · monthly$96
Set up the plan. Update what changes. Let PennyGo do the maths.
- 01
Set up your money
Add your household, accounts, income, spending and savings.
- 02
PennyGo works it out
PennyGo works out what needs to be set aside, where it needs to go and when.
- 03
Follow your plan
Check what needs your attention next and update the plan when life changes.
Your money plan, wherever you are.
Check your plan wherever you are — on your phone, tablet or computer — and see what needs your attention next.
- Phone
- Tablet
- Desktop
Questions, answered.
Stay ready for what comes next.
Set up your plan once, update it when life changes, and let PennyGo do the calculations.