Charlie is a smart, friendly penguin who will get you out of debt faster. With Charlie on your side, you will automatically pay more of your debt down each month, all while keeping your daily latte. No budgets. No judgment. Surprisingly fun.


▶ Automated debt fund. You do you while Charlie puts more money towards your debt.
▶ A personal debt payoff planner. See how small changes save you thousands of dollars in interest and get you out of debt years sooner.
▶ Fun celebrations of your progress, no matter how big or small.
▶ Spend smarter with insights into your daily, weekly, and monthly spending habits.
▶ Cut your bills, whether it’s Netflix, Comcast, or many other subscriptions.
▶ Overdraft alerts
▶ Penguin gifs. Lots of them.
& more


Charlie is completely free to try for a month. After your trial period, a monthly subscription costs just $4.99 and can be canceled anytime. With Charlie on your side, you will save thousands in interest.


▶ PC World: “The convenience of Charlie is immediately apparent. Rather than having to log into my bank’s website or budgeting app to check recent activity or run a report, I could just pull out my phone and ask.”
▶ The Penny Hoarder: “Charlie’s messages have made me more aware of what’s going on with my money on a daily and weekly basis. And as long as he’s around, I feel like there will be fewer financial surprises in my life.”
▶ “The Friendly Chatbot penguin helps consumers manage finances, eliminate frivolous spending, and work towards savings goals.”


Charlie is devoted to protecting your money and privacy. Your money is FDIC-insured up to $250,000. We use the same 256-bit SSL encryption that banks use and insist on encryption for all connections. This means that all data transfers are protected from unauthorized access using the most advanced cryptographic algorithms available.
We never store your login information in any form, and we’ll never sell any of your information.

Use of the Charlie app and Charlie Subscription is subject to Charlie Finance Co's terms of service, which can be found here:

What’s New

Version 2.3.9

Check out Charlie's Instagram page! Head over to settings and click the Instagram button.

Bug fixes and improvements.

Ratings and Reviews

4.6 out of 5
636 Ratings

636 Ratings

wendyhuang1119 ,

Very helpful

In the beginning, I downloaded the app simply to join its lottery of winning money. Unfortunately I didn’t win money and I was quite upset. Until I started to play around and chat with it, I realized it gives really helpful ideas and provided me great resources in helping me manage my money and reduce my spending/debts. At first, it helped me save on car insurance by changing to other insurance company, then refer me to Upstart where I can get a loan with very low APR to pay off my credit card debts. I’m really glad that I was introduced to this app. Thank you so much for creating the app.

small hobbit ,

It shows that this was a chatbot first

What I really don’t like is I’ll get a batch of about 2-5 notifications at a time (the same time) at least one generically reading “Charlie sent you a message”. I open the app and it’s pre-scrolled to the end of the messages, and unless I remember where or what the last one was (because sometimes it’ll spout out a huge batch before I check) it just looks like random bouts of text. There aren’t time and dates attached that have become standard with chatlogs. Nearly everything has to be done THOUGH using the chat feature, which makes it cumbersome as a financial app because I don’t want to waste time dealing with a finicky AI to get stuff setup. It randomly spouts out its “ideas” when you select that option (there’s no tab you can go to to see a generalized list and choose what’s best for your situation) this makes it something you have to wade through, especially if you’re already doing some of their tips or can’t do to certain circumstances.
I don’t know why this was suggested to me. I thought I’d try it but I already use a few financial apps and keep track of my finances because I don’t really make that much as it is.

Developer Response ,

Hi! We appreciate you taking the time out to share your experience. I'm so sorry you had a bad experience. Your feedback is precious to help us improve Charlie! Don't hesitate to reach out to if you have other suggestions.

The Perseverance Podcast ,

The Features

It has some features that I had been looking for, but could not find in others budgeting app for the longest time. Namely the ability to set up saving rules (like automatically putting aside a percentage of my paycheck and setting a limit on eating out.)

If you are a visual person, Charlie is definitely for you. It helps you see where your money is going and celebrates with you when you make better choices. Worth the trial.

App Privacy

The developer, Charlie Finance Co, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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