Pennyworth Financial Planning 4+

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.


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.

CHART YOUR JOURNEY TO FINANCIAL WELLBEING
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.

REACH YOUR GOALS WITH EASE
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.

ENJOY SMART MONEY MANAGEMENT
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.

ALL YOUR ACCOUNTS IN ONE PLACE
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.

EXPLORE SAVING GOALS
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.

BENEFIT FROM TAILORED MONEY INSIGHTS
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.

LOOKING AFTER YOUR DATA
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.


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