Pennygrove rounds up your spare change, auto-tucks a little into savings every payday, and shows you one honest number: how much is safe to spend today. No spreadsheets, no jargon, no surprise overdrafts.
Pennygrove watches the boring stuff so you don't have to. You just get gentle nudges and a balance you can actually trust.
We subtract your upcoming bills, goals and recurring charges from your balance, then tell you what's genuinely free to spend. No mental math, no end-of-month dread.
Every card swipe rounds up to the next dollar and the difference slides into a savings jar. Most members save $61 a month without noticing.
Pennygrove reads your pay rhythm and quietly moves a set amount into savings every payday — and pauses itself the moment your balance dips low.
We forecast every recurring charge and warn you days before a bill could tip you negative.
Name a goal, set a date, and Pennygrove works out a pace that fits your budget — then quietly keeps it.
Weekly notes in plain English: "Coffee's up $14 — want to set a $40 cap?" You decide; we never judge.
No statements to read, no categories to tag. Connect your accounts and Pennygrove handles the rest in the background — you just open the app to a number you can trust.
Read-only and bank-grade encrypted. We can see your balance, never move money you didn't ask us to.
Round-ups, a fixed payday amount, or both. Change it anytime with one tap — no penalties, no lock-ins.
Open the app to a calm balance and a goal that's quietly on pace. That's the whole job.
No hidden fees, no minimum balance, and you can cancel from the app in two taps. The average Grove member saves more than the plan costs in the first three weeks.
Everything you need to stop overdrafting and start saving.
For getting ahead — smarter saving, multiple goals, real interest.
Shared goals and pocket money that teaches kids without the lectures.
APY shown is variable, 4.30% as of Jun 2026. Pennygrove is a financial technology company, not a bank — banking services provided by Halcyon Bank, N.A., Member FDIC.
"I'd checked my balance every day and still got hit with overdraft fees. Six months on Pennygrove: zero fees, and $740 in a jar I didn't know I had. It's the first money app that doesn't make me anxious."
"The round-ups are sneaky in the best way. I funded a whole long weekend in Lisbon on spare change I'd have spent on nothing. My partner signed up the same week."
"My teenager has her own card and a chores list, and I stopped being the family ATM. The 'safe to spend' number ended a decade of me guessing how much was really mine."
Still unsure? Our support humans (real ones) reply in the app within a few hours, seven days a week.
Pennygrove is a financial technology company, not a bank. Your deposits are held with our partner Halcyon Bank, N.A. (Member FDIC) and insured up to $250,000. We connect to your accounts read-only through bank-grade encryption, and we never sell your transaction data.
We forecast every upcoming bill and recurring charge in your cycle, reserve what you've committed to goals, then subtract both from your available balance. It updates the moment a transaction clears, so the number is always today's truth — not last month's statement.
It pauses itself. Pennygrove watches your forecast and skips any transfer that would leave you short of your bills or push you toward an overdraft. It resumes automatically on your next payday — you'll get a heads-up either way.
Always. There's no lock-up period and no withdrawal fee. Transfers back to your linked checking arrive same-day on bank business days, usually within a couple of hours. Your savings are yours, not held hostage by a tier.
No. Opening a Pennygrove account is a soft check that's invisible to lenders and never affects your score. We don't offer credit products, so there's nothing to run a hard pull against — you can open an account in about two minutes.
Open a free account in two minutes, link a bank, and watch the first round-up land before your coffee's cold. No fees, no minimums, cancel anytime.