Pricing
Simple pricing. A complete budget doesn’t need to cost a fortune.
PennyGo Free gives you the core tools to plan your bills, everyday expenses and savings, without tracking every purchase. Plus is an optional upgrade for more capacity, helpful automation and Penny’s additional assistance.
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
Plan ahead without tracking every purchase.
Free
No subscription required
- Planning for upcoming costsSee what needs to be covered each week, fortnight or month.
- Income planning
- Spend planningBills, subscriptions and other expected expenses — PennyGo calls these Spends.
- Savings planning
- Accounts and Buckets
- Plan Cycles that fit your planning rhythmChoose how often PennyGo works out what needs to move.
- Shared-expense and responsibility calculations
- Actuals when bills differRecord the final bill amount without changing its usual planned amount.
- Up to 25 planned expenses (Spends)Room for the bills and expected expenses you want in your plan.
- No bank connection required
Also included in Free
Upcoming bills
See planned expenses coming up over the next 30 days.
Your bigger picture
See expected spending, biggest commitments and how your plan looks across the year.
Savings progress & money flow
See how savings are tracking and where your plan expects money to go.
Phone, tablet & desktop
Check your plan wherever you are on the devices you already use.
Free means Free
Core budgeting stays available without a subscription.
PennyGo Plus
30-day free trial for eligible new accounts
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)No 25-Spend limit.
- Ask Penny — your money-plan assistantUnderstand your plan and get help setting things up.
- Turn a bill into a planned expenseUpload a bill and Penny prepares the useful details for you to review.
- Bill WatchConnect Outlook or Microsoft 365 and Penny can spot regular bills, missing bills and changes from what your plan expects.
- Create and expand Portal sharingInvite others to a read-only view while you control what they can see.
More from Penny is on the way
Coming soonUnplanned Spend Watch
Spot receipts, invoices and other useful purchase emails in your connected Outlook or Microsoft 365 mailbox and bring relevant spending to your attention.
Smarter spending insights
Help you spot patterns and changes across your planned and recorded spending over time.
Coming-soon features are in development and may change before release.
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
If you do nothing, you can continue using Free when the trial ends. If you choose to start paid Plus during your trial, you’ll be charged that day, and your remaining free trial ends once your subscription is confirmed.