PennyHelm is a personal finance dashboard for $7.99 a month, or $6.49 a month billed annually. Same features as Monarch and YNAB. The price is locked for existing subscribers — it doesn't go up.
Bank connections powered by Plaid. PennyHelm never sells or shares your financial data. Your numbers stay yours.
Bills, accounts, debts, cashflow, and a financial health score on a single page. Calendar view, Sankey diagrams, net-worth trendline — all included.
Avalanche and snowball side by side. Shows you the actual interest saved and months cut for each plan, based on your numbers.
Invite your partner or household member at no extra cost — same deal as Monarch, for half the monthly price.
| PennyHelm | Monarch | YNAB | |
|---|---|---|---|
| Monthly | $7.99 | $14.99 | $14.99 |
| Annual, per month | $6.49 | $8.33 | $9.08 |
| Free household access | Included | Included | Included |
| Bank sync via Plaid | Yes | Yes | Yes |
| Bills, debts, cashflow in one view | Yes | Yes | Partial |
| Price locked for existing subscribers | Yes | No | No |
Competitor pricing as publicly listed on their respective websites as of April 2026.
"Built this because I got tired of paying $15 a month for a dashboard I only used to check bills. No investors, no pressure to raise prices or bolt on upsells — the business model is $7.99 a month, that's it." — PennyHelm Founder
Thirty days to decide. Cancel any time from Settings.
Start Free Trial — 30 days free, no card requiredBank connections powered by Plaid. PennyHelm never sells or shares your financial data. Your numbers stay yours.