Frequently Asked Questions

Penny AI is your AI financial planner that lives in Google Sheets. The Penny Financial Planner (sometimes written PennyFinancialPlanner) is our Google Sheets template that organizes your income, spending, savings, and debt in one place and helps you build a clear financial plan.

We currently offer two core products: the Financial Planning Sheet (a one-time setup of your Penny Financial Planner in Google Sheets) and the Money Manager (ongoing AI guidance, daily updates, and weekly insights that help you stay on track).

Yes. Your data lives in your own Google Sheet—you keep full ownership and control. Penny AI only reads what is in your sheet to provide planning and guidance and does not store your financial data elsewhere.

Penny AI focuses on cash flow, savings, debt payoff, and planning in Google Sheets. We do not provide specific investment recommendations or manage your investments—we help you get organized, build a plan, and make better day-to-day financial decisions.

To get started, choose the Financial Planning Sheet on our Pricing page and follow the prompts. You’ll receive your personalized Google Sheet plus guidance from Penny on how to use it and what steps to take next.

You can explore our Blog, Finance Answers, FAQs, and other resources on the site to learn more about Penny AI and Penny Financial Planner. For ongoing tips, follow @AskPennyAI on social, or start a plan from the home page to see Penny in action.