Now in open beta
See your financial life clearly.
Pennora brings income, everyday spending, budgets, savings and investments into one calm view, so you can understand today and plan what comes next.
- Income
- £4,070.00
- Regular bills
- £1,521.99
- Everyday spending
- £786.36
- Saved
- £650.00
NoraYou have £1,112 left over this month. 1 budget is over (Eating out).
Know what needs you, before the month ends.
Pennora separates spending from saving and regular bills from one-offs, then tells you plainly which budgets are close and what still needs a category.
- Budgets compared only with the spending they cover
- Regular bills that count every month until you stop them
- Statement import that shows every row before anything is added
Needs your attention
Where it went
You spent £170.99 on eating out in October, against a £150 budget, so you are £20.99 over. That is £38 more than September and above your three-month average of £142. Eating out is your fourth-largest category this month.
Ask Nora about your own numbers.
Nora is Pennora's AI assistant. She explains what changed, how your budgets are going and what your bills add up to, in plain English, from the Money Profile you are using.
- Reads your figures, never changes them
- Sees monthly and category totals, not your individual transactions
- Explains; never gives financial advice
One account. Each currency kept whole.
Keep your UK and Nigerian money in separate Money Profiles. Pennora never converts between currencies or adds them together with a guessed exchange rate, so every figure is one you can trust.
ISA tracking across the UK tax year, with rent and council tax as regular bills.
Naira budgets, savings platforms you use, and family support kept in its own space.
Your money is personal. So is your data.
Pennora uses account-level data isolation and managed authentication. You stay in control with data export and deletion tools built into the product.
How Pennora protects your dataQuestions, answered plainly.
No fine-print fog. These are the things people usually want to know before trusting a financial tool.
What does “beta” mean?
Pennora works and your data is saved securely to your account, but we are still improving it. Expect occasional rough edges and changes as we learn from early users. Tell us what you think on our contact page.
Who is Nora?
Nora is Pennora’s AI assistant. She answers questions about the Money Profile you are using and can suggest budgets. She can only read, never change, your records. To answer, Pennora sends her your first name and a summary of your figures, such as monthly totals and spending by category, not your individual transactions. Nora explains your numbers; she does not give financial advice.
Does Pennora connect to my bank?
Not yet. Today, you add records yourself or import a statement. Read-only bank connections are being tested, and we will name supported banks clearly when they become available.
How much does Pennora cost?
Basic is free. Plus and Premium add more Money Profiles, unlimited scans and more questions for Nora. Every new account gets 30 days of Premium free, with no card needed. See pricing for details.
Can I track an ISA?
Yes. UK users can record ISA contributions and see progress against the annual allowance across the correct tax year.
Can I export or delete my information?
Yes. Pennora supports JSON backup, CSV export, clearing your financial records and deleting your account entirely from your account settings.
Is Pennora financial advice?
No. Pennora helps you organise and understand information. It does not provide regulated financial, investment or tax advice.
A clearer picture starts with the first entry.
Create an account and begin with the money you already know.
Create your account