Why Choose PennyNest?
Built for individuals 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.
Education & Guidance
Access financial education resources, tips, and guides to improve your money management skills.
Get Started in 5 Minutes
Simple steps to begin tracking your wealth
Sign Up
Create your free account with email and password. No credit card required.
Add Accounts
List your bank accounts, investments, properties, debts, and other assets.
Enter Balances
Manually enter current balances for each account (takes 5-10 minutes).
See Your Picture
View your instant net worth dashboard and start exploring features.
Loved by Thousands
See what our users are saying
"Finally, a finance app that respects my privacy. No more bank connections, no more data sharing. I'm in complete control."
Sarah M.
Individual User
"The forecasting tools are incredible. I can see exactly where my investments will be in 10 years with different scenarios."
James T.
Investor
"I finally understand my financial situation. Seeing my net worth grow month after month keeps me motivated, and the AI advisor has given me ideas I never would have thought of."
Emma L.
Individual User
Take Control of Your Financial Future Today
Privacy-first wealth management, free forever. Join thousands tracking their finances with confidence.