Why Choose PennyNest?
Built for individuals and financial advisers who value privacy and control
Total Net Worth Tracking
Track income, expenses, properties, investments, super, debts, and assets all in one place.
Advanced Forecasting
Monte Carlo simulations, what-if scenarios, and long-term wealth trajectory projections.
AI Insights
Get personalized insights and recommendations powered by AI to optimize your financial decisions.
Education & Guidance
Access financial education resources, tips, and guides to improve your money management skills.
Simple, Transparent Pricing
Start free, upgrade when you're ready
Free
Students & beginners
Perfect for getting started with basic financial tracking
- Manual income & expense tracking
- Basic asset & debt tracking
- Simple net worth calculation
- Cash flow charts
- Web & mobile access
- Data export (CSV)
Standard
Young professionals & families
Best for individuals serious about financial planning
Annual: $30/year — about $2.50/mo
(Save $6, ~16.7% vs monthly)
- Everything in Free, plus:
- Cash flow forecasting
- Financial goals & progress tracking
- Benchmarks vs Australian averages
- Basic what-if scenarios
- Budget alerts & warnings
- Gamification & achievements
- AI-powered insights
- Community tips & challenges
- Advanced reports & charts
- Priority email support
Pro
Investors & advisers
For serious investors and financial advisers
Annual: $100/year — about $8.33/mo
(Save $20, ~16.7% vs monthly)
- Everything in Standard, plus:
- Advanced forecasting tools
- Monte Carlo simulations
- Scenario stacking
- Inflation-adjusted projections
- Superannuation planning
- Multi-client dashboard (for advisers)
- White-label branding
- Professional PDF reports
- Priority phone support
- 1-on-1 onboarding session
Take Control of Your Financial Future Today
Be among the first to experience privacy-first wealth management