Notice likely bills
Penny looks for messages that appear to contain regular bills, including one that may be missing from your plan.
PennyGo PlusMeet your money-planning assistant
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 bill changes.
Penny is included with PennyGo Plus.
Eligible new accounts receive a 30-day Plus trial after initial setup. No payment details required, and you won't be charged automatically when the trial ends.
Understand your plan
Understand what your money plan is telling you.
Penny can help you make sense of the plan you’ve already built in PennyGo — from what needs funding next, to your biggest planned expenses, to how a bill compared with what you expected. She can also explain how PennyGo works when something isn’t clear.
“What are my biggest planned expenses over a year?”
“How did my last electricity bill compare with what I expected?”
“How much do I have coming up in the next 30 days?”
Start with a conversation
Set up a planned expense by talking it through.
Tell Penny what you already know. She identifies the details you’ve provided, asks only for what’s missing and checks whether a similar Spend already exists.
TRY SAYING
“Add my car insurance — it’s $1,860 a year.”
Penny checks what else is needed before preparing anything.
A Spend in PennyGo is a planned expense in your money plan — such as a bill, subscription, insurance premium, regular household cost or another expected expense.
PennyGo is designed mainly to plan expected expenses, rather than track every coffee, takeaway or shop purchase after it happens.
Once the details are ready, Penny opens the normal Spend & Save form pre-filled. You review the draft and press Save yourself. Penny never edits an existing Spend.
From bill to plan
Turn a bill into a planned expense.
Upload a bill and Penny can read useful details — such as the provider, amount and timing — then prepare a draft Spend for you to review. It’s not just document reading; the useful details are shaped for your money plan.
- 1
Upload the bill
Give Penny the bill you want to turn into a planned expense.
- 2
Penny prepares the details
Useful information becomes a draft for the normal Spend form.
- 3
You review and save
Check every detail and make the final decision before anything joins your plan.
Bill Watch · PennyGo Plus
Keep expected bills closer to what arrives.
Connect an Outlook or Microsoft 365 mailbox and choose the bills Penny should watch. Penny can also notice a likely regular bill that appears to be missing from your plan.
Compare the useful details
Recognised provider, amount and payment timing can be compared with what your plan expects.
Review what really happened
When something differs, Penny can prompt you to review it and record the final amount when appropriate.
Clear control
Penny prepares, explains and suggests. You stay in control.
Nothing is silently created, edited or deleted. Ask Penny prepares new Spend drafts for your review; Bill Watch never changes a Spend or records an Actual automatically.
Read-only mailbox access
Bill Watch can read the information needed to recognise likely bills. It cannot send, change or delete your emails.
Meet Penny inside PennyGo Plus.
Ask Penny and Bill Watch are included in Plus. Start with a free account, then see whether Penny’s guided help is right for you.