STEP 01
A budget that adapts
Connect your priorities, income, and recurring expenses to build a realistic monthly plan—not a generic template.
AI guidance for everyday money
Make every dollar feel more intentional.
PennyPilot turns your numbers and goals into practical coaching for budgeting, debt payoff, and savings—without the cost of a traditional advisor.
Plans from $15/month. Cancel anytime.
Our promise
Coaching that respects your reality.
01
Clear next steps, never shame
02
Plain-language explanations
03
You stay in control
A coach, not another spreadsheet
From money stress to a workable next move.
PennyPilot helps you understand where you stand, decide what matters now, and keep adjusting as life changes.
STEP 02
A clearer debt payoff path
Compare payoff strategies, understand tradeoffs, and turn your next best move into a manageable weekly action.
STEP 03
Savings you can sustain
Set a goal, choose a timeline, and get coaching when your plan needs to flex around real life.
Straightforward pricing
Choose your level of support.
Start with AI coaching, then add a human conversation when you want one.
Pilot
Everyday guidance for building better money habits.
$15/month
- Personalized monthly budget
- Debt and savings action plans
- Unlimited AI coaching conversations
- Weekly progress check-ins
Pilot Plus
AI + live supportFor bigger goals that benefit from human accountability.
$30/month
- Everything in Pilot
- One live coaching session monthly
- Priority plan reviews
- Goal and milestone recaps
PennyPilot offers educational guidance, not investment, tax, or legal advice.
Questions, answered
Know what you’re signing up for.
Your money plan can start today.
Tell PennyPilot what you’re working toward and leave with a clear, practical first step.
Build my plan