Pricing
Simple pricing. A complete budget doesn’t need to cost a fortune.
PennyGo Free is the core payday budgeting experience, and free means Free. Plus is an optional upgrade for more capacity, more automation and Penny’s smarter tools — never a requirement for budgeting properly.
Eligible new accounts get 30 days of Plus after completing setup — no payment method needed. If Plus isn’t for you, simply carry on with PennyGo Free.
PennyGo Free
The complete payday budgeting experience.
A$0Free ongoing
- Payday budgeting and planningA clear plan for what every pay needs to do.
- Income planning
- Spend planningPlan bills, subscriptions and other expected expenses. PennyGo calls these planned expenses Spends.
- Savings planning
- Accounts and Buckets
- Plan Cycles that fit your planning rhythmChoose how often PennyGo works out what needs to be moved for each person.
- Shared-expense and responsibility calculations
- Actuals when bills differRecord the final amount for a specific bill occurrence without changing its usual planned amount.
- Up to 25 planned expenses (Spends)Enough room for the bills, subscriptions and other expected expenses you want in your plan.
- No bank connection required
PennyGo Plus
More capacity, more automation, and Penny’s smarter tools.
Monthly
A$4.99/month
Annual
A$49.99/year
About two months cheaper than paying monthly
- Everything in Free
- Unlimited planned expenses (Spends)Add as many expected expenses as your plan needs.
- Ask Penny — your money-plan assistantUnderstand your plan, ask useful questions and get help setting up new planned expenses.
- Turn a bill into a planned expenseUpload a bill and Penny can read it, pull out the useful details and prepare a new Spend for you to review and save.
- Bill WatchConnect Outlook or Microsoft 365 and Penny can spot likely regular bills, point out one that looks missing from your plan, and flag when an expected amount or timing looks different.
- Keep actual bills up to dateWhen a bill differs from what you planned, Penny can prompt you to review and record the final amount for that occurrence.
- Create and expand Portal sharingInvite others to a read-only view of your plan while you stay in control of what they can see.
Create your account to begin. No payment method is needed for the trial, and it never turns into a paid subscription on its own.
Need more room but don’t need Plus?
Stay on Free and permanently remove the limit of 25 planned expenses (Spends). It’s A$19.99 once — a permanent capacity upgrade, not a subscription.
Capacity only: Ask Penny, Bill Watch and the ability to create new Portal-sharing relationships remain Plus features.
How the 30-day Plus trial works
Try Plus first, then decide what suits you.
- 1
Set up PennyGo
Complete your initial setup and, if you’re eligible, your 30 days of Plus begin.
- 2
Try everything in Plus
No payment method is required, and the trial never automatically becomes a paid subscription.
- 3
Decide later
Keep using Free, or arrange Monthly or Annual Plus. If you subscribe during the trial, there’s no charge that day — your trial still runs to the end.