The tools

One place for the moving parts of home.

Keep the records and conversations that help your household stay on top of its money. You enter the numbers. PennyCircle helps put them in context.

Bills, without the guesswork

Keep due dates and recurring bills in one place, and mark them paid as you go.

A shared view of spending

Compare your budget with the everyday transactions you record. Bill and debt payments stay separate from spending totals.

Goals and an emergency fund

Track progress toward savings goals and explore how a monthly amount for your emergency fund changes your plan.

Debt plans you choose

Compare four payoff orders side by side. PennyCircle doesn't pick one for you or make payments.

Documents, reviewed by you

Upload bills and statements. Review suggested details and drafts before adding anything to your household records.

Your household, your boundaries

Invite family members with different access levels. Keep some accounts visible only to you or share just their balances.

Planning, not prescribing

See different paths. Choose your own.

PennyCircle's Wealth Plan shows four ways to order debt repayment: snowball, avalanche, hybrid and your own custom order. Compare them and decide what fits your household.

Explore how the monthly amount you set aside for an emergency fund affects what is left for extra debt payments. You enter investment values yourself. There are no live prices or trading.

This is an estimate based on the information you entered.

See the steps

Make space for a clearer money conversation.

Create a household, then invite the people you choose. Currently free.

Create your account