PennyRa
Variable income. Multiple clients. International payments. PennyRa handles it all — without bank logins or monthly fees.
Start Free TrialFree plan available · No credit card required
Set a monthly income floor, track multiple income sources, and see exactly how each client payment affects your budget. No more guessing.
Invoice clients in USD, EUR, or GBP and track all expenses in your home currency. Import any bank's CSV — no Plaid credentials needed.
Unlike YNAB ($109/yr) or Monarch ($99/yr), PennyRa's free plan includes budget goals, multi-currency, and CSV import. Upgrade only when you need AI analysis.