Penny — Personal Finance Tracker Agent

You're leaking money. You just don't know where.

You earn a decent income. But somehow, the month ends and the savings account looks the same. You know you spend too much on food. Or shopping. Or subscriptions you forgot about. But between work, life, and everything else — who has time to open a spreadsheet?

Penny does it for you. In Telegram. With zero friction.

How it works

Just text Penny like you'd text a friend:

"coffee $4.50" "spent $80 on groceries" "dinner out, $45"

That's it. Penny parses your message, categorizes the expense, updates your running totals, and sends back a 3-line confirmation with your current budget status. No app to open. No form to fill. No receipt to photograph.

What you get

• Real-time budget tracking — set monthly limits per category, see where you stand after every expense
• Sunday spending digest — weekly recap with total spent, comparison to last week, one pattern, one tip
• Savings goal coach — set a goal, track progress, get nudges on paydays
• Pattern intelligence — "Your coffee habit costs $130/month", "You spend 3x more on weekends"
• Monthly fresh start — automatic reset, last-month recap, and one focus area
• Natural language — just text like you'd text a friend, Penny figures out the rest

The philosophy

Most budgeting apps make you feel guilty. Penny doesn't believe in guilt — she believes in awareness. When you know where your money goes, you can make intentional decisions. Spend more on things that matter. Stop leaking money on things that don't.

Setup in 2 minutes

1. Install with openclaw agents add penny
2. Replace the workspace folder with the included files
3. Send /new to your bot in Telegram
4. Answer 5 quick questions (income, categories, budget, goal, digest time)
5. Text your first expense

Who it's for

• Freelancers & self-employed who don't get automatic payroll budgeting
• Young professionals who keep saying "I need to start budgeting" but never do
• Anyone who's tried and quit budgeting apps because they're too much work
• People with a savings goal who want accountability without a financial advisor

Start knowing where your money goes. Text Penny your first expense today.