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Pennie
Your personal finance co-pilot with automatic SMS parsing, privacy-first storage, and a fluid budgeting experience.
Discover PennieFinance, simplified
Prayo builds thoughtful mobile experiences that help people master money with confidence.
We craft secure, privacy-first personal finance tools that automate the busywork so you can stay focused on your goals.
What we value
- Privacy-first data stays on-device wherever possible.
- Human-centric design that reduces cognitive load.
- Trusted automation assisted by explainable workflows.
Who we are
Prayo is an independent product studio from India focusing on purposeful mobile applications. We build experiences that feel familiar, are accessible out of the box, and put the user firmly in control of their finances.
What drives us
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Automation that respects choice
Technology should amplify good financial habits without forcing rigid systems.
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Trust by design
Offline-first architecture, transparent sync, and clear explanations build lasting confidence.
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Inclusive experiences
Local currencies, accessibility modes, and flexible flows ensure everyone feels at home.
Our product lineup
We are expanding the Prayo ecosystem with focused apps that work beautifully on Android and beyond.
In discovery
Subscription Compass
Plan, audit, and optimise recurring subscriptions with intelligence that finds hidden costs before they surprise you.
Idea stage
Prayo Vault
A secure locker for critical financial documents, powered by biometric access and contextual reminders.
Pennie — your daily money ally
Pennie transforms raw notifications into actionable insights, blending intelligent automation with handcrafted controls so you stay in command of every rupee.
Why Pennie stands out
- Offline-first architecture keeps your financial history on-device.
- Notification parsing auto-suggests transactions from SMS, UPI, and email alerts.
- Granular categories with colour coding, icons, and nested organisation.
- Adaptive budgeting tracks monthly limits, rolling reserves, and savings goals.
- Work-friendly reminders built on Android WorkManager ensure follow-through.
- Human support from a local team that listens to feature requests.
How we compare
Traditional expense apps
- Cloud-first, often paid sync.
- Manual entry-heavy workflows.
- Generic categories and rigid reports.
Pennie approach
- Private, local database with optional backups.
- Smart suggestions from notifications and habits.
- Dynamic dashboards tuned to Indian banking patterns.
Pennie quickstart guide
From onboarding to automation, here is how to unlock the full potential of Pennie.
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Set up your money home
Download Pennie, pick your base currency, and connect to your preferred theme. The dashboard adapts instantly.
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Add your first funds
Use Add Income to log salary, freelance payments, or transfers. Categorise flows for more insightful trends.
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Enable notifications and access permissions
Grant notification access (Android) so Pennie can read finance SMS and UPI alerts locally. This powers automatic transaction suggestions and keeps you from typing repetitive details.
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Create personalised categories
Open Manage Categories to add icons, colours, and limits. Nest subcategories (e.g., Food > Eat-out) to mirror your lifestyle.
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Build budgets that flex with you
Set monthly budgets, rollover rules, and reserve funds. Pennie highlights overspending forecasts before they happen.
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Track income streams
Split paychecks, add notes, and tag transactions with projects or clients for better reconciliation at tax time.
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Manage subscriptions and reminders
Record recurring bills, set auto-reminders, and monitor renewal dates. Pennie uses WorkManager to nudge you ahead of time.
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Keep things tidy
Review the Review & Approve inbox to approve suggested entries, archive duplicates, and stay audit-ready.
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Level up with insights
Use Pennie charts to explore category trends, savings momentum, and debt payoff pace. Export CSV or Excel for deeper analysis.
Ready to collaborate?
We partner with financial institutions, fintech startups, and communities that believe in transparent money tools.