Monthly Planning
Plan expected income, recurring expenses, discretionary spending, savings, and debt payments in one place.
Planning that helps change your financial future
Prepare for what is coming, eliminate what you owe, and enjoy the money you intentionally set aside.
Plan before the month begins
Decide what your income needs to accomplish before daily life starts competing for it.
Month-Ahead Visibility
Review the current month and prepare for upcoming months so future expenses do not arrive as surprises.
Every Dollar Has a Purpose
Assign available money intentionally until the plan is complete. A zero amount left to assign means the money already has a job.
Prepare for expenses before they become emergencies
Pockets
Set money aside over time for expenses such as auto repairs, medical bills, holidays, home maintenance, travel, and school costs.
Time-Limited Goals
Create a Pocket with a target month so PennyPockets can help you plan how much to set aside before the expense arrives.
Recover Without Starting Over
If an expense uses more than one Pocket holds, your other available planned money can cover it while you continue contributing and rebuild the Pocket over time.
Turn debt into a plan with an ending
Payoffs
Track debts separately from normal monthly spending so the balance and progress remain visible.
Progress You Can See
Watch balances fall over time and keep the finish line visible.
Use your money without fear or guilt
Play Money
Plan personal spending for each person in the household. When the money is already part of the plan, it can be enjoyed without guilt.
Simple Check-Ins
PennyPockets is designed for planning and periodic check-ins, not constant transaction entry throughout the day.
No Bank Connection Required
Your financial accounts remain separate. PennyPockets helps you create the plan while you use your existing bank or account records to confirm actual spending.
PennyPockets is not just another spending tracker
A spending tracker tells you what already happened. PennyPockets helps you decide what should happen next.
- Track the pastPlan the future
- React to billsPrepare for them
- Wonder what is safe to spendKnow what was planned