Ask your money anything.

Claude
How much did we spend on eating out last month compared to the month before?
In February you spent $1,247 on restaurants and takeout across 34 transactions. That’s up 23% from January ($1,014 across 28 transactions). The biggest increase was delivery apps — DoorDash went from $189 to $312. Dining out at restaurants stayed roughly flat.

Wise Penny connects your finances to your AI.

Claude
ChatGPT
MCP
Any AI
Wise Penny
Checking
Credit card

From lunch tabs to life decisions.

Big decisions

“We’re thinking about buying a house. Build a comparison of monthly costs in SF vs. nearby suburbs — factor in home prices, mortgage rates, and what we’d save on rent. Forecast our savings over 10 years.”
“What can we cut to save up to buy a new Tesla? How long would it take?”
“What would happen to our savings rate if we moved from SF to Austin? Factor in rent, state taxes, and cost of living.”
“We want to take a year off to travel. Based on our current savings and spending, can we afford it? What would we need to cut?”

Save money

“Go through my and my partner's subscriptions. Which can we consolidate or get family plans to save money?”
“Look at our energy bills for the last year. Would solar panels make sense at our usage level?”
“Find me a better deal on car insurance based on what I’m currently paying.”
“Compare what we spend eating out vs. cooking at home this month. Would a meal kit save us money?”
“Based on our spending habits, what are the best credit cards for us for maximum cash back?”

Do things

“I got double-charged at a restaurant last week. Find the transaction and their contact email, and draft a refund email.”
“Based on the restaurants we actually go to, find us new local restaurants in a similar price range.”
“Pull together everything I'd need for my accountant — income deposits, business expenses, deductible categories.”
“Summarize our financial month — spending up or down, any unusual charges, where we’re trending.”
“Are there any bills we've forgotten to pay this month? What expected charges are coming up this week?”

This is not another budgeting app.

Wise Penny doesn’t try to be your financial advisor. It gives that job to the smartest AI on the planet, loaded with your actual data.

You have the conversation. The AI does the analysis. That’s it.

See the full picture together.

A circle is a shared financial view. Add your accounts, invite your spouse or business partner or a financial advisor. Your AI sees everything — for comprehensive answers.

Home

You + spouse

  • Joint checking
  • Your savings
  • Partner’s credit card
Your business

You + business partner

  • Business checking
  • Business card

You choose which accounts go where. Keep anything private. Every circle is completely separate and private.

Set up in under two minutes.

1

Connect your bank

Through Plaid — an official partner of Chase, Amex, BofA and many other banks. We never see your bank logins or sensitive details.

2

Connect your AI

Add Wise Pennyto Claude, ChatGPT, or any MCP-compatible assistant. We’ll walk you through it — most setups take under a minute.

3

Start asking

“What did we spend on travel last quarter?” You’ll get real answers from real data.

Your data stays yours.

Read-only access to your AI

You bring your own AI assistant. It can only read your transactions and balances, and no other sensitive data.

Encrypted

AES-256 at rest. TLS in transit. Bank-grade security.

Never sold or used for training

We make money from your subscriptions, not from data.

Disconnect or delete any time

Unshare an account or disconnect your bank any time. Delete your data if you want. You are in control.

Superintelligence, meet your finances.

It’s about time they were introduced.

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