Snowball vs Avalanche
Compare strategies side by side and choose the approach that feels right for you.
Meet Penny
Your money, your way.
Every little bit counts.
Penny is a personal finance app that helps you pay off debt, build better budgets, and understand your money — with encouragement, not pressure. See your full picture, track your progress, and celebrate every step forward.
Everything you need to feel in control
Simple tools that meet you where you are — no judgment, just clarity.
Visual Progress
See your debt shrink with clear charts and progress indicators that make it real.
Smart Budgeting
Weekly and monthly budgets that make sense for real life. Flexible, not rigid.
Bank Sync
Securely connect your accounts with Plaid and let transactions flow in automatically.
Gentle Nudges
Friendly reminders that help you stay on track — never guilt, never pressure.
Every Win Counts
Celebrate milestones along the way. Progress is progress, no matter the size.
Getting started is simple
Three steps to seeing your full financial picture.
Add your debts
Tell Penny your balances, interest rates, and minimum payments.
Choose your approach
Snowball or Avalanche — see both strategies side by side.
Watch your progress
Follow your plan and celebrate every milestone along the way.
Simple, transparent pricing
One plan. Everything included. Start with a 7-day free trial.
Penny
Full access to all features
- Debt tracking & payoff strategies
- Bank syncing
- Smart budgeting
- Charts & insights
- Data export
- Priority support
Questions? We've got answers.
What's snowball vs avalanche?
Snowball pays off your smallest debts first for quick wins and momentum. Avalanche tackles the highest interest rates first to save you the most money over time. Penny shows you both strategies side by side so you can choose what works best for you.
Is my bank data secure?
We use Plaid — the same security infrastructure trusted by major banks and apps like Venmo. Your login credentials never touch our servers. Bank-level encryption, always.
Can I use it without connecting my bank?
Yes. Manual entry works great for tracking debts and budgets. Bank sync just saves you time on transactions. Many users start manual and add a bank connection later. It's your choice.
How does the free trial work?
You get 7 days of full Penny access completely free. Enter your payment info to start — you won't be charged until the trial ends. Cancel anytime before that.
Ready to take the next step?
Start your free trial and see where Penny can take you.
Start Free Trial