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Simple, Transparent Pricing

Start free. Upgrade whenever you need more features. Cancel anytime.

Free

$0
Forever

Everything you need to get started tracking your wealth

Create Free Account

Includes:

  • Properties: 1
  • Investments: 3
  • Goals: 2
  • Forecast Scenarios: 1
  • Monte Carlo Simulations
  • Net Worth Tracking
  • Cash Flow Summary
  • Expense Categorization
  • Monthly Budget Tracking
  • ABS Spending Benchmarks
  • + 8 more features

Standard

$3
/month or $30/year (save 17%)

Perfect for growing portfolios and more complex financial situations

Upgrade to Standard

Includes:

  • Properties: 5
  • Investments: 20
  • Goals: 10
  • Forecast Scenarios: 5
  • Monte Carlo Simulations
  • Net Worth Tracking
  • Cash Flow Summary
  • Expense Categorization
  • Monthly Budget Tracking
  • ABS Spending Benchmarks
  • + 8 more features
MOST POPULAR

Pro

$12
/month or $120/year (save 17%)

Unlimited everything for serious investors and financial professionals

Upgrade to Pro

Includes:

  • Properties: Unlimited
  • Investments: Unlimited
  • Goals: Unlimited
  • Forecast Scenarios: Unlimited
  • Monte Carlo Simulations
  • Net Worth Tracking
  • Cash Flow Summary
  • Expense Categorization
  • Monthly Budget Tracking
  • ABS Spending Benchmarks
  • + 8 more features

Complete Feature Comparison

FeatureFreeStandardPro
Properties15Unlimited
Investments320Unlimited
Goals210Unlimited
Forecast Scenarios15Unlimited
Monte Carlo Simulations——✓
Net Worth Tracking✓✓✓
Cash Flow Summary✓✓✓
Expense Categorization✓✓✓
Monthly Budget Tracking✓✓✓
ABS Spending Benchmarks✓✓✓
AI Financial Advisor1,000 tokens/month5,000 tokens/month20,000 tokens/month
Gamification & Achievements✓✓✓
Financial Education✓✓✓
Mobile App (iOS/Android)✓✓✓
Data Export (CSV)✓✓✓
Adviser Collaboration—✓✓
White-Label Branding——✓
Priority Support——✓

Pricing Questions

Can I upgrade or downgrade anytime?

Yes. Upgrade or downgrade your plan anytime. Changes take effect immediately. If you downgrade, you lose access to upgraded features but keep your data.

Do you offer annual discounts?

Yes. Annual subscriptions save 17%:
Standard: $30/year (vs. $36/year monthly)
Pro: $120/year (vs. $144/year monthly)

Can I cancel anytime?

Absolutely. Cancel anytime with no penalty. Your data remains accessible. You can reactivate if you change your mind.

Is the Free tier really free forever?

Yes. No credit card required. No time limits. No forced upgrades. You can use Free forever if it meets your needs.

What happens if I exceed limits on Free?

You can't create more properties/investments than your plan allows. You'll see a message suggesting an upgrade. No automatic charges.

Do you offer refunds?

We offer a 30-day money-back guarantee on first upgrades. Contact hello@pennynest.app for refund requests.

Special Pricing for Financial Advisers

Different pricing structure for advisers and financial professionals managing client portfolios.

Single Adviser

$12/month

Perfect for independent advisers or sole practitioners.

  • Unlimited client portfolios
  • All adviser features
  • White-label branding
  • Email support

Adviser Team

$20/month

Great for small adviser firms and teams.

  • Everything in Single Adviser
  • Up to 3 team members
  • Shared client management
  • Priority phone support

Enterprise

Custom Pricing

For larger adviser firms needing custom setup.

  • Unlimited team members
  • Custom integrations
  • Dedicated account manager
  • SLA support
Contact Sales

Learn more about PennyNest for Advisers

Ready to Get Started?

No credit card required for the Free tier. Start tracking your wealth today.