👋 Hey Product Hunt! Jay here—founder, builder of PennyMaster. PennyMaster was born out of a simple question: Why does managing money always feel like punishment? Most finance tools dump data on you and expect you to figure it out. Charts, categories, budgets—you end up doing the heavy lifting. I wanted something more... helpful. So we built PennyMaster: A friendly AI that spots your money habits and suggests small, positive shifts Encouraging nudges (not shame) that help you stay on track And a vibe that’s more “casual coach” than “corporate accountant” Right now, PennyMaster connects via GoCardless (Europe only for now). Why do we need that? Because with actual transaction history, we can: Detect patterns that spreadsheets miss Surface surprisingly useful micro-insights Help you build momentum, not just track spending 🌍 Global support (🇨🇦 🇬🇧 🇦🇺 🇮🇳 🇺🇸?etc.) is coming soon—we're working on it. 🔐 Safe? Totally. We use read-only bank data via GoCardless. Your money stays untouched, and your banking data is not even saved. 💰 Get your first advice during a €1 trial. Like it? Use our only plan for €4.99 People say it feels like having a “non-judgy, pocket-sized money coach.” That’s the dream. If traditional finance apps have ever made you feel lost, guilty, or just plain bored—you’re exactly who we built this for. Would love your feedback, your ideas, or your hot takes 🔥 —Jay

PennyMaster

Get a nudge of your spending. Build better habits with AI