01
Bills, without the guesswork
Keep due dates and recurring bills in one place, and mark them paid as you go.
A little more clarity at home
PennyCircle
Your household money, calmly organised. Keep bills, budgets, goals and debt plans together. Choose what stays just yours.
Currently free to use · No bank connection required
Made for householdsEntered and reviewed by youShared on your terms
The everyday picture
Less scattered. More in the open.
The figures you enter, in a place your household can return to together. Nothing moves without you.
02
A shared view of spending
Compare your budget with the everyday transactions you record. Bill and debt payments stay separate from spending totals.
03
Goals and an emergency fund
Track progress toward savings goals and explore how a monthly amount for your emergency fund changes your plan.
04
Debt plans you choose
Compare four payoff orders side by side. PennyCircle doesn't pick one for you or make payments.
05
Documents, reviewed by you
Upload bills and statements. Review suggested details and drafts before adding anything to your household records.
06
Your household, your boundaries
Invite family members with different access levels. Keep some accounts visible only to you or share just their balances.
A place to come back to
The whole picture, without the noise.
See upcoming bills, what you have recorded, and the plans you're working on. Take a moment each week to check in together.
Explore the sample household. Your changes here do not affect a real account.
How PennyCircle works
PennyCircleYour household
A clearer view, together.
Bills to pay
3 · £162
Holiday goal
£450 of £1,000
Keep track of what is due and what you are saving for.
The personal account is shared with the household.
Try it out. These figures are examples and nothing is saved.
Close to your family.
Private where it counts.
Invite people into your household with access that fits. An account can be shared, show its balance only, or stay visible just to its owner. Your family sees the shared plan, not automatically every detail.
How privacy worksPass it on
Know someone who'd feel at home here?
Invite someone to try PennyCircle. They can create their own account and private household without you signing in.
A public link never opens your household budget. To share your household, send a personal invitation instead.
Make space for a clearer money conversation.
Create a household, then invite the people you choose. Currently free.