Charlie is a smart, adorable, friendly penguin who will get you out of debt faster. With Charlie on your side, you will be debt-free sooner, all while keeping your daily latte. No budgets. No judgment. Surprisingly fun.


▶ A personal debt payoff planner. See the huge impact small changes have on your debt-free date.
▶ Automated savings. You do you while Charlie puts more money towards your debt.
▶ 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.”


▶ Caitlin: “I always thought I was good at monitoring my accounts through online banking, but lately I keep getting slapped with overdraft and returned item fees. It’s infuriating! So I got some help from Charlie. I mean who wouldn’t love to see that adorable little guy pop up with new messages, updating you on your balances, new transactions, etc.”
▶ Samantha: “I really enjoy Charlie and all his features! Fun, interactive, accurate and much faster to update me than competitors.”


Charlie is devoted to protecting your money and privacy. 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 is subject to Charlie Finance Co's terms of service, which can be found here:

What’s New

Version 2.0.1

Save while you spend: Want to save towards debt without giving up your daily latte? Charlie’s Autosave rules will turn your habits into savings.

Debt-free date, sooner: This penguin prodigy can figure out exactly when you'll be out of debt and can show you how paying just a little more goes a long way!

Celebrations: Paying off debt sucks. Charlie will load up the Penguin Positivity Cannon to blast you with confetti, cheers and celebrations to keep you motivated. You've got this!

Ratings and Reviews

4.7 out of 5
502 Ratings

502 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.

ChrisHarmon ,

Not working as intended :(

UPDATE: changed to 5-stars. Was an issue with the authentication, most likely on Messenger’s end. Had to delete messenger and reinstall for it to import the data into the new Charlie app.

After being able to use it, I’m very happy they kept the simple “texting” style with Charlie. Very excited to continue using it and looking forward to all the updates and improvement!

Was really excited for this app. I download it, it asks how we met and I click “Messenger”. It just directs me to the Facebook messenger and doesn’t do anything else. I’m thinking it’s supposed to authenticate but just isn’t grabbing it.

Will change rating once the app gets updated to work.

Developer Response ,

Hi Chris! Thanks for downloading the app and leaving us some feedback. We're sorry about that. We believe this was a FB Messenger issue. Could you please update your FB Messenger app as well as your Hi Charlie! app? This should do it.

If it doesn't, please call us or contact us at and someone will help you out!


Charlie Finance Co.
102.9 MB

Requires iOS 11.2 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Infrequent/Mild Simulated Gambling
Infrequent/Mild Mature/Suggestive Themes
Gambling and Contests
Infrequent/Mild Profanity or Crude Humor
In-App Purchases
  1. Charlie Plus $4.99


  • Family Sharing

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

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