Every Penniq counts

Learn to budget with your real spending data

Free UK financial education app. Gamified micro-lessons. Real transaction insights. Launching soon.

Free forever for early adopters

Three steps to smarter spending

Connect your bank

See where your money actually goes. Read-only, secure Open Banking — we never touch your funds.

Learn in 5 minutes

Bite-sized lessons tailored to your spending patterns. No jargon, no lectures — just what matters.

Build real habits

Track streaks, earn XP, and build savings confidence — one small win at a time.

Why I'm building this

I work in finance and noticed people who want to be better with money don't know where to start. Budgeting apps show you the problem. They don't teach you what to do next. So I built Penniq — short lessons, real progress, no lecturing. I built this because I needed it myself. I think others do too.

Kristof — founder, developer in financial services