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.
Watch PennyGo in actionPlan 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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See PennyGo in action.
See how PennyGo helps you prepare for bills, organise savings and work out what money needs to move — without tracking every purchase.
About a 53-second product introduction · plays with sound
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.
PennyGo never needs your banking credentials, account numbers or card numbers.
Plan what matters. Keep the touchpoints light.
Meet Penny. A little extra help with your money.
Your friendly money-planning assistant. Ask questions, get help organising expenses and stay on top of regular bills.
Get answers when you need them
Not sure how something works or why you need to set money aside? Just ask Penny.
Make planning expenses easier
Tell Penny about an upcoming expense or upload a bill. She'll help prepare the details for your review.
Stay one step ahead of bills
With Bill Watch, Penny can check your connected Outlook or Microsoft 365 mailbox and flag possible changes to regular bills.
Penny is included with PennyGo Plus.
Penny helps you prepare and understand your plan. You're always in control of what gets added or changed.
More than a budget. A plan for what’s coming.
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
With Plus, invite someone to a read-only view of your plan. You decide whether they can see your income or keep those details 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 prepare for them over time instead of finding the whole amount at once — see how this can work when you budget around your pay cycle.
Everything you need to plan what happens next.
See upcoming bills, what your next planning period needs to cover, where money needs to go, and how your savings are progressing.
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.