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.
CHARLIE’S FEATURES INCLUDE
▶ 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.
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.”
▶ BadCredit.org: “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. 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: https://www.hicharlie.com/terms/
Check out Charlie's Instagram page! Head over to settings and click the Instagram button.
NEW IN THIS VERSION:
Bug fixes and improvements.
Ratings and Reviews
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.
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 email@example.com if you have other suggestions.
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.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Charlie Finance Co.
- 116.4 MB
- Requires iOS 11.2 or later.
- Requires iPadOS 11.2 or later.
- iPod touch
- Requires iOS 11.2 or later.
- Age Rating
- 17+ Infrequent/Mild Profanity or Crude Humor Infrequent/Mild Mature/Suggestive Themes Infrequent/Mild Simulated Gambling Gambling and Contests
- © 2020 Charlie Finance Co.
- In-App Purchases
- Charlie Subscription $4.99
With Family Sharing set up, up to six family members can use this app.