Bring your own AI, or use ours

Both plans connect your financial data to the AI assistants you already use. Wise Penny AI adds in-app chat — answers and charts with zero setup. Start with a 14-day free trial. Cancel any time.

Wise Penny BYO-AI3 months free

Bring your own AI

$6.75per month

$81 charged every year.

14-day free trial. Cancel anytime.

MCP access for Claude, ChatGPT, or any AI assistant
Banks via Plaid, or statement uploads
Unlimited automation — rules, budgets, goals
Circles — share with a partner or advisor

Start your free trial

Wise Penny AI3 months free

In-app chat included

$11.25per month

$135 charged every year.

14-day free trial. Cancel anytime.

Everything in BYO-AI
In-app chat that already knows your accounts
Answers with charts, trends, and stat cards

Start your free trial

Every plan includes

The only difference between the plans is in-app chat. No “contact sales,” no usage caps.

Every AI assistant

Claude, ChatGPT, or any MCP-compatible assistant. Unlimited connections, unlimited calls.

Unlimited automation

Rules, budgets, goals, recurring detection — no caps.

Connect banks or upload statements

Connect your banks directly via Plaid (up to 10), or upload statements if your bank doesn't allow direct connections.

Circles

Share a holistic financial picture with a spouse or partner. Let your financial advisor in as an observer.

Frequently asked

What's the difference between the plans?: Wise Penny BYO-AI connects your financial data to AI assistants you already pay for — Claude, ChatGPT, anything MCP-compatible. Wise Penny AI includes all of that, plus chat built into the app, with nothing to set up.
A 14-day free trial: On every plan. Your card is only charged when the trial ends, and we email you first.
Cancel anytime: Cancel during the trial and you’re never charged. On a paid plan, you keep access until the time you’ve paid for runs out.
No refunds after the trial: That’s what the free trial is for — make sure Wise Penny fits before you pay.
Secure payment processing: Payments run through Polar. Your card details never touch Wise Penny’s servers.