Pennyworth Financial Planning 4+

Money manager and saving goals

Penny Worth

Designed for iPhone

    • 4.6 • 16 Ratings
    • Free

iPhone Screenshots


Pennyworth is the personal finance app that helps you reach your goals. Simply download the app, connect your accounts, and enjoy smart money management. Because it’s time to shape your financial future.

In just a few taps you can picture your tomorrow and take control today:
- See your financial future and the most effective ways to improve it.
- Explore goals and calculate a savings plan.
- Discover insights about your finances.
- View all your money in one app.

Get an automatic financial plan to grow your wealth and achieve your expected goals:
- See your total wealth projected until retirement.
- See how your available income is optimally allocated to reach your goals.
- View your resulting assets, borrowing and net wealth by year.

Pennyworth’s goal savings calculator and money tips help you on the path to financial wellbeing.
- Explore goals pre-selected by our money experts.
- Set your own goals and let Pennyworth calculate a monthly savings plan.
- Use the finance tracker and easy checklists to monitor progress.

Pennyworth is the money management app that provides you with complete oversight of your finances.
- Discover insights about your income and expenses.
- Keep track of your personal wealth.
- Let our algorithms fill data gaps with estimates based on people like you.
- See how you compare with the rest of the UK population.

Pennyworth is the open banking app that helps you manage money in one place without needing to switch banks.
- Safely connect your bank, savings, loans and investments accounts, your properties, pensions and other assets, to view all your finances together.
- Open banking is the new way you can give third-party providers, like Pennyworth, access to your financial information safely and securely.

Pennyworth is useful if you’re looking to plan for a holiday, a wedding or other big celebration. Ideal for setting out big life-goals such as:
- starting a family;
- buying a house;
- planning for your children’s education; or
- caring for an elderly parent or relative.
Great for staying on top of important financial decisions such as:
- building an emergency cash fund;
- starting a business;
- save for retirement;
- aiming to become financially independent and retire early (FIRE); or
- starting to think about passing on an inheritance.
Details and helpful checklists on these goals and many others are just a few taps away with Pennyworth. Research shows that setting goals is one of the most effective ways of achieving your plans and Pennyworth makes it easy.

Pennyworth provides insights about your personal finances using the information in your connected accounts, user-entered values or estimated values which the Pennyworth algorithm calculates based on people like you.

We understand that your personal and financial data is sensitive, needs to be kept secure, and that you need to trust Pennyworth to share it with us. Open banking is the new way you can give third-party providers, like Pennyworth, access to your financial information safely and securely. It was introduced by the Government to help generate more competition to big banks and create new, valuable solutions for the benefit of consumers. Pennyworth can never see or store your account login details and we use bank-level security and 256-bit encryption to connect your account. Pennyworth is registered with the Information Commissioner's Office (ICO) and registered by the Financial Conduct Authority (FCA) as a Payment Service Directive Agent of Moneyhub Technology Services Ltd.

Look out for coming features, such as reaching your goals sooner with better rates on saving or borrowing.

What’s New

Version 2.0.2

Improvements to account connection management experience. It's now easier to refresh, reconsent and re-auth account connections.

Ratings and Reviews

4.6 out of 5
16 Ratings

16 Ratings

asg9909 ,

A use for open banking at last

Really great app which finally gives users a reason to use open banking account aggregation. Goal based planning is a great way to think about your financial future and adding in a full "fact find" which uses open banking is a step beyond what even some wealth managers are offering. Will keep an eye on this as it looks like just the start of a much fuller offering.

Cormoșdenisa ,

Great app, would highly recommend for goal based financial planning

I’ve been using Pennyworth since they were in beta testing, and I can't express enough excitement for what's to come in their next versions with limitless potential.

The Pennyworth app is a lifesaver when it comes to managing finances, offering a crystal-clear picture of your financial standing.

One of my favourite features is the fact that you can set financial goals and see them materialize in a well-defined plan.

The interface is really user-friendly, making it accessible even to those who are new to managing finances.

sampo17 ,

Great premise, poorly executed

I desperately wanted to make use of this app but it is unfortunately riddled with issues during the account connection process.

Firstly, the app doesn’t make use of other installed financial apps (e.g. Barclays, Monzo etc) to authorise the open banking request. This makes it an incredibly manual process to dig out usernames, account numbers, passwords and memorable information and so on. Other apps simply open the related bank’s app and asks for confirmed sharing.

Secondly, there are a number of providers who simply hit errors when trying to connect accounts with the app (MBNA as an example)

Thirdly, the app performance itself is incredibly inconsistent, with slow loading times, false error messages and prompts for reconnection immediately after first connecting.

In short, needs a lot of work to be considered a useful financial planning app, and I hope it gets sorted quickly.

Developer Response ,

Thanks for your feedback. We are sorry to hear that you have experienced some issues with our app. We are keen to understand these, fix and improve as quickly as possible.

We are surprised to hear your experience on account connection. The app does make use of installed apps so if you have the Barclays or Monzo app installed they will be accessed using what ever method you use e.g. FaceID and the account connection authorised with one or two clicks. This should take just a few seconds. We have not experienced or had any feedback to date to suggest this is not working. If you can email me at I can then look into this issue that's impacting you in more detail.

More generally on account connections - If the connection is not supported by Open Banking then they are managed through credential entry e.g. MBNA. There is no standard for this or requirement for the provider to enable this which means there may be issues from time to time as changes are made on the provider side. Broadening Open Banking application and developing it into Open Finance will enable apps such as Pennyworth to enable a much broader selection of connections, with standardised connections that will be more stable. We are a big proponent of this and are at the forefront of the industry pushing for this change to help consumers.

With regards the error messages, we are aware of an issue with our Manual Accounts feature and we will be publishing a minor release today that will fix this.

App Privacy

The developer, Penny Worth, 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 Linked to You

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

  • Contact Info
  • User Content
  • Usage Data
  • Diagnostics

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

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