Built around a simple idea: understand your money, then take control of it. Here's everything inside.
Know exactly what you earn. Log every source of income, from salary to freelance to investment returns, and see your total monthly earnings calculated automatically.
See every recurring bill at a glance with a visual calendar of due dates. Categorise expenses to understand exactly where your money goes each month.
Set monthly spending limits by category and track every expense against them. See at a glance which budgets are on track and which need attention.
Choose your strategy: Snowball (smallest balance first) for quick wins and momentum, or Avalanche (highest interest first) to minimise total interest paid. Either way, payments roll forward as debts are cleared.
Your financial safety net. Set a target of 6 months of bills and track your progress with a visual gauge that fills up as you save. Peace of mind, measured in pounds.
Set goals for the things you're working towards. Whether it's a holiday, your kid's education, or a new car, track each one individually with its own progress bar and target date.
Model your mortgage and see exactly how overpayments could save you thousands in interest and years off your term. Understand your lender's annual overpayment cap before making extra payments.
See your complete monthly cash flow at a glance. A waterfall chart shows exactly how your income flows through bills, budgets, debt payments, savings, and what remains.
Your complete financial picture on one page. Stat cards, cash flow waterfall, net worth trends, debt payoff timeline, savings progress, and upcoming bills, all updated in real time.
Add PennyPath to your home screen and use it like a native app. No app store, no download, just tap install and get a full-screen experience that launches instantly.
Create your free account and start taking control of your finances today.