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Penny explains your numbers. You make the changes.

Penny is Pay Plan's optional AI assistant. It reads your own plan, answers questions about it in plain words, and proposes changes. Nothing changes until you confirm.

Join the waitlistOn Plus and Household. Optional: turn AI features off in Settings.
Ask Penny

Why is Groceries over?

Groceries is $84 over. Most of it is three shops since Saturday, $212.40 together. I can raise Groceries by $84 for this pay and lower Eating out by the same. That is two changes, so you confirm each one.

Proposal Waiting for you · expires in 24 hours or when you send another message

  • Groceries $380.00 $464.00

Proposal Waiting for you · expires in 24 hours or when you send another message

  • Eating out $160.00 $76.00

General information, not financial advice. Example conversation and figures.

Explains, proposes, and notices.

  • Explains your plan

    Ask about your own money in your own words. Penny reads your plan, goals, forecast and transactions, and answers with the number.

    • Can I afford this?
    • Why is Groceries over?
    • What did we spend on takeaways last month?

  • Proposes changes

    Penny can draft a change to your plan and show you the before and after. You confirm it, or you do not, and nothing moves in between.

    • Plan amounts
    • Goals
    • Bills and subscriptions
    • Categorising transactions
    • New income sources
    • New categories
    • New categorisation rules

  • Notices what changed

    Insight cards on your home screen point out what is worth a look, and Penny explains each one.

    • You pay for 3 subscriptionsThey come to $52.97 a month. All of them are streaming.
    • Your gym went upIt is now $24.99, up $2.00 (9%) on the usual $22.99.

Nothing changes without you.

Penny can draft the change as well as answer, and it waits for you every time.

  1. Step 1

    Penny says what it would change

    Every proposal shows the before and the after.

  2. Step 2

    You confirm, or you do not

    An unconfirmed proposal expires after 24 hours. In a shared budget, only members who can edit can confirm a change.

  3. Step 3

    Then the change is made

    Penny never says it has done something it has only proposed.

General information, not financial advice.

Pay Plan can explain your own numbers and suggest changes to your plan. It cannot tell you which KiwiSaver fund, insurer, loan or investment to choose. For that, talk to a licensed financial adviser. Sorted (sorted.org.nz) and MoneyTalks (moneytalks.co.nz) have free money guidance.

I can't help choose a KiwiSaver fund. That is financial advice and needs someone licensed to give it. A licensed financial adviser can, and Sorted (sorted.org.nz) and MoneyTalks (moneytalks.co.nz) have free money guidance. What I can do is show you what you are contributing each pay and what a change would leave in your plan. Would that help?

Optional, and off in Settings.

Pay Plan asks for your consent before any AI feature reads your data, and you can withdraw it in Settings at any time. Turning AI off also turns off insight explanations; the rest of Pay Plan works the same.

AI features

Penny and insights are on Plus and Household. Start with 14 days of Plus, no card needed.

The web app opens soon. iPhone and Android after that.

Join the waitlist and we will email you when it opens. Tick the box on the waitlist page if you would also like news while we build it.