All your money. One big number.
You earn well but still end the month short? Pengo pulls every wallet, card and income stream into one place, so you see where your money goes and keep more of it. Log by voice or document, or connect your bank and let it log for you.
Coming soon to the App Store and Google Play. Prices in USD by default.
You earn a lot. So why is there nothing left?
Pengo started with a very real problem: earning well, yet spending more than came in. The gap quietly came out of savings, and with money spread across so many places, nobody could say where it went.
You spend more than you earn
Some months the spending wins. The difference comes straight out of your savings, and you only notice when the balance is already low.
Money lives in too many places
Every account has its own app, its own statement, its own mess.
You can't see where it went
Tracking by hand never lasts. A few busy weeks later, the spreadsheet is a month behind and the answer is a guess.
Streamline your money. Save more of it.
Everything money, on boxes you can read from across the room
Every account in one place
Wallets, credit cards, debit cards, your salary, freelance income and side businesses. Add them all and Pengo shows one total, with each account a tap away.
Save for something
Name it, set the amount and date. Pengo shows how far along you are.
Watch it shrink
Add what you owe and what you pay. The big number goes down as you do.
No surprise charges
Every bill and subscription in one list, with reminders before the due date.
Stocks, crypto, funds
One portfolio value, split by type, with gains and losses in plain view.
See where it went
Weekly and monthly breakdowns of what came in and what went out, by category. Every recap ends with a verdict from Pengo.
Rewards and penalties you write
Set a monthly limit per category, then decide what happens. Under budget: move money to a fun fund. Over: send some to charity. Your rules, your stakes.
Try it belowStop typing. Let Pengo do the logging.
The reason most trackers get abandoned is the typing. Pengo gives you four easier ways, and the best one needs no effort at all.
Just say it
Say “coffee, four fifty” and it is logged.
Snap or upload
Drop in a receipt, invoice or bank statement. Pengo reads it and adds every line.
Link it once
Connect your bank account directly and new transactions arrive on their own.
Availability depends on your bank and country.
Auto-log from SMS
Allow message access and Pengo reads your bank's transaction messages and logs every spend for you.
Auto-log is always your choice. You decide whether to give access, and you can turn it off any time in Profile.
Set up in the time it takes to answer a few questions
Answer one question at a time
Goals, income, what you want to track, how you spend and save. One question per screen, big buttons, no forms to fight.
Add your money
Connect your accounts, or just start logging by voice, document or form. Auto-log is optional and you can switch it off any time.
Watch the big number
Every screen opens with one large figure that matters. No digging through tabs, because there is no tab bar to dig through.
Spend a little, get rewarded. Spend too much, pay up.
Pick a category and drag the slider. This is how Pengo reacts when you set your own rewards and penalties.
Under budget
You have $120 left. Keep it up.
Reward: pizza night, move $25 to Fun fundAsk your money a question
Chat with Pengo in plain words. It answers from your own numbers, so “can I afford this?” gets a real answer.
Example conversation with sample numbers.
3 days free. Then everything is included.
One subscription, no tiers, no locked features. Cancel any time.
Monthly
Billed monthly after your trial.
- Voice logging
- Document and receipt logging
- Direct bank connection
- Auto-log from bank messages
- Every wallet, card and income stream
- Bills, goals, debt and investments
- Limits with your own rewards and penalties
- Pengo coach, reports and recaps
Yearly
That is about $6.67 a month.
- Voice logging
- Document and receipt logging
- Direct bank connection
- Auto-log from bank messages
- Every wallet, card and income stream
- Bills, goals, debt and investments
- Limits with your own rewards and penalties
- Pengo coach, reports and recaps
Quick answers
How much does Pengo cost?
You start with a 3-day free trial. After that it is $7.99 a month or $79.99 a year, and everything in the app is included.
Do I have to connect my bank?
No. You can log everything by voice, document or form. Connecting your bank and reading bank messages for auto-log are both optional, and you can turn them off in Profile.
Which currencies does it support?
US dollars are the default. You can pick another currency during setup or later in Profile.
Where is Pengo available?
Pengo is coming to the App Store and Google Play. Request early access and we will email you.