Turn loose change into real savings.
Penny Inny automatically rounds up every transaction and sweeps the difference into savings or investments. Every swipe becomes a step toward financial security — no budgeting, no willpower, no effort.
1¢+
grows on every swipe
$3/mo
all-in Premium — no tiers, no games
40+
underserved markets on our roadmap
0
effort — it runs itself
Round-ups today
Morning Coffee
−$3.40
Metro Ride
−$1.75
Groceries
−$12.10
Streaming
−$8.99
Saving that happens while you live your life
Three steps, then it runs on its own. The habit is built into the product so you never have to remember it.
Connect in seconds
Link the cards and accounts you already use. No branch visits, no paperwork, no minimum balance to get going.
Spend like normal
We round every purchase up to the nearest whole number and set the spare change aside automatically — you feel nothing.
Watch it compound
Sweep round-ups into high-yield savings or a diversified portfolio, and watch tiny amounts snowball into real security.
Everything a round-up saver should be — and more
We took the best idea in consumer fintech and rebuilt it for everyone, not just a handful of wealthy markets.
Automatic round-ups
Every transaction rounds up to the next whole number and the difference sweeps straight into your savings — zero manual effort.
Save or invest
Send spare change to a high-yield savings pocket, a diversified portfolio, or split it between both. You choose, you control.
Boosters & smart rules
Multiply round-ups 2×–10×, add weekly top-ups, or trigger saves on payday. Automate the habit without thinking about it.
Built for every market
Multi-currency and mobile-first, engineered for the fast-growing regions the big neobanks still don't serve.
Bank-grade security
Funds sit with regulated, insured partners. Connections are encrypted end-to-end and we never sell your data.
Transparent by design
One flat $3/month Premium and a small fee only on balances we grow for you. No surprise charges, no hidden minimums.
Owning the markets the incumbents ignore
Acorns, Chime and Revolut chase the same crowded, wealthy markets. We took the opposite bet: a mass-market round-up saver priced for global adoption, launching first where billions of people are underbanked and no one is serving them.
- A single, honest $3/month Premium — not a maze of tiers
- Multi-currency, mobile-first, built for emerging economies
- We only earn a small fee on the balances we actually grow
Comparison reflects Penny Inny's positioning; competitor offerings vary by market.
3,500 → 120,000
paying members targeted by Year 3
$3 / month
flat Premium, priced for the world
Every swipe
quietly builds your safety net
Billions
underbanked people the market forgets
One honest price. Built for everyone.
Start free, forever. Upgrade to Premium when you're ready to invest and supercharge your round-ups.
Starter
The core round-up saver, free for life. Perfect for building the habit.
- Automatic round-ups on every purchase
- High-yield savings pocket
- Multi-currency support
- Bank-grade security & encryption
Premium
Everything in Starter, plus investing and automation. Small AUM fee on swept balances.
- Invest spare change in diversified portfolios
- Round-up boosters (2×–10×)
- Smart rules & payday auto-saves
- Priority support & insights
- Early-member lifetime discount
Freemium consumer fintech: free core saver, a low $3/month Premium tier, and a small AUM fee only on balances we help you grow. Pricing shown is illustrative for launch.
The habit people finally kept
Fictional stories that capture who we build for — tech-savvy savers in the markets others overlook.
“I never manage to save on purpose. Penny Inny did it for me — I looked up after three months and there was real money sitting there.”
“The other apps didn't even work in my country. This one launched here first and the $3 plan is a no-brainer.”
“Rounding up my coffee and rides into an investment pocket feels effortless. It's the first finance app I actually kept.”
Questions, answered
Everything you need to know before your first round-up.
Every time you spend, Penny Inny rounds the amount up to the next whole unit of your currency and moves the difference into your savings or investment pocket. Buy a coffee for 3.40 and 0.60 quietly moves to savings. It happens automatically, in the background, on every transaction.
You choose. Sweep round-ups into a high-yield savings pocket, a diversified investment portfolio, or split between both. You stay in control and can pause, withdraw, or change your allocation at any time.
We're launching first in emerging and underbanked markets that the big neobanks skip — then expanding globally. Join the waitlist and we'll notify you the moment Penny Inny goes live where you are.
Those apps are built around a handful of wealthy markets and bundle round-ups into premium plans. Penny Inny is a mass-market round-up saver priced for everyone: a single low $3/month Premium tier and a small fee only on the balances we grow for you — designed to reach the regions incumbents ignore.
The core round-up saver is free forever. Premium unlocks investing, boosted round-ups and smart rules for $3/month, plus a small AUM fee on swept balances. No hidden charges, no minimums.
Funds are held with regulated, insured partners and never touched by us directly. Connections are encrypted end-to-end and we never sell your data. Security and transparency are built into the product from day one.
Start turning spare change into a safety net.
Be first in line when Penny Inny launches in your region. Early members get a lifetime discount on Premium.