Pennykite launches

Added

Pay-cycle calendar

• Paychecks every week, every two weeks, every four weeks, twice a month or monthly, plus one-off paychecks for irregular income.
• Weekend paydays can move to the Friday before or the Monday after, or stay on the day.
• Bills that repeat weekly, every two weeks, monthly, every three months, every six months or yearly, or happen once. Bills can have an end date and a category, including subscriptions.
• One-time items for single expenses or deposits.
• A projected end-of-day balance for every day, in a month grid or a list.

Safe to spend

• The lowest projected balance from today until the day before the payday after next, minus your cushion, shown with the arithmetic.
• A warning with the first date your balance is projected to go below zero.
• When you update your balance, tick the items that already cleared that day so nothing is counted twice.

Debt payoff planner

• Avalanche, snowball or a custom order, with an extra amount each month. Freed-up minimums roll into the next debt.
• Debt-free date, payoff month for each debt, total interest and a comparison with minimums only.
• A month-by-month schedule table and a chart.
• Debt payments appear on the calendar on their due days, so safe to spend includes them.
• A warning when a minimum payment is less than a month of interest.
• Monthly check-ins (Plus) that chart your actual balances against the plan and show whether your debt-free date moved.

Statement import (Plus)

• CSV import that works out the delimiter, header row, date format and amount columns, including card exports.
• Best-effort PDF import for text-based statements, with every row reviewed before import.
• Suggested paydays, bills and subscriptions found in your transactions, and the option to use the closing balance.
• Overlapping statements can be imported again without duplicating transactions.
• Files are read in your browser and never uploaded.

Your data

• Your plan is stored only in your browser, per signed-in account.
• Download a backup file, restore it on another device, or delete your plan from the browser in Preferences.

Weekly check-in email (Plus)

• A reminder on the weekday and hour you choose, in your time zone, to update your balance. It contains no amounts.

Free calculators

• Paycheck budget, debt snowball vs avalanche and debt-free date calculators, with no sign-up.
• "Save this plan" carries your numbers into a new account through your browser, without uploading them.

Plans

• Free and Plus ($7 a month or $55 a year, USD). Amounts can be shown in USD, GBP or CAD.
• Accounts with email and password, magic links, passkeys and two-factor authentication.