Works on WhatsApp or Telegram — whichever you already use

For people who hate
tracking expenses.This does it for you.

Snap a receipt. Send a voice note. Type it fast — on WhatsApp or Telegram. PennyPal reads it, categorizes it, and logs it to your Google Sheet automatically. No new app. No discipline required.

See what's included →

Built personally for you · Delivered in 24–48 hrs · 5 setups/month max

Live activity

Receipt scanned · via WhatsApp

$6.50 · Food & Dining

just now ✓

Voice note logged · via Telegram

$1,800 · Client Revenue

2 min ago ✓

Quick text parsed · via WhatsApp

$23.00 · Transport

5 min ago ✓

✓ Works on WhatsApp AND Telegram — pick yours ✓ Photo · Voice · Text — however you remember it ✓ Your data, your Google Sheet — no new apps ✓ Built personally for you — not a template ✓ No discipline required ✓ Setup delivered in 24–48 hours ✓ Only 5 custom setups per month ✓ Works whether you remember to use it or not ✓ Works on WhatsApp AND Telegram — pick yours ✓ Photo · Voice · Text — however you remember it ✓ Your data, your Google Sheet — no new apps ✓ Built personally for you — not a template ✓ No discipline required ✓ Setup delivered in 24–48 hours ✓ Only 5 custom setups per month ✓ Works whether you remember to use it or not

See how lazy it lets you be

This is literally all you do.

Open Telegram. Send anything. That's it. No app to open, no form to fill, no spreadsheet to update. You're done.

PennyPal · WhatsApp

● online

📷 [receipt_coffee.jpg]

9:14 AM ✓✓

✓ Logged — $6.50 · Food & Dining · Apr 11. Month total: $284 expenses.

9:14 AM

🎤 "Got paid $1,800 from client Marco today"

11:32 AM ✓✓

✓ Income logged — $1,800 · Client Revenue · Apr 11. Net this month so far: +$1,516.

11:32 AM

uber eats 23

1:07 PM ✓✓

✓ Logged — $23.00 · Food & Dining · Apr 11. Running total expenses: $307.

1:07 PM

Replace with a real WhatsApp screenshot once your bot is live

Pennypal Dashboard — April 2025

Total Income

$6,240

Total Expenses

$1,830

Net Profit

$4,410

Transactions

→ Replace with a real screenshot of your Google Sheet dashboard

Why you keep falling behind

You know you should track this.
You just never do.

Not because you're irresponsible. Because every tool was designed for someone with more patience than you.

6.5 hrs/month

lost to manual bookkeeping — and that's just the people who actually do it.

✕ Expense apps you open for 3 days, then never again
✕ Spreadsheets that are always "a few weeks behind"
✕ Month-end panic trying to remember where the money went
✕ No idea if you're actually making money — or just moving it around

The problem isn't you. Every other tool requires effort you were never going to give it.

PennyPal removes all of that friction. Built personally for you in 24–48 hrs.

Zero friction. Seriously.

Send anything. Don't think about it. The AI handles the rest.

No forms. No dropdowns. No 'correct format.' Just say what happened and move on.

Receipt photo

Take a bad photo, crumpled receipt, terrible lighting. It still gets it right.

Voice note

Say it out loud while you're still thinking about it. Transcribed, categorized, logged before you forget.

Quick text

Typos, abbreviations, half sentences. It understands what you mean — not what you typed.

What you sent

"uber to airport 34"

→

What got logged

$34.00 · Transportation

Apr 11, 9:42 AM · confirmed ✓

How it works

You send one message. Everything else happens automatically.

From day one, your finances organize themselves. You just live your life.

You send anything via WhatsApp or Telegram

Photo, voice note, or text. You're already on WhatsApp or Telegram — just use whatever you already have open. No new app to install. No new habit to build.

AI reads it so you don't have to

Amount, category, date — extracted automatically from whatever you sent. Messy photo, fast voice note, lazy text. It doesn't care.

Your Google Sheet updates itself

Income, expenses, categories, trends — all live, in a dashboard you actually own. No third-party app holding your data hostage.

A full report hits your inbox every month

Totals, categories, net profit, anomalies — on the 1st, automatically. Tax season becomes a copy-paste job.

That's the whole process. One message. Everything else is automatic.

From people who also hated doing this

From people who gave up on every other app.

"I used to dread Sundays because of expense reconciliation. Now I send a message in the moment and I'm done. Haven't touched a spreadsheet in months."

Sarah M.

Freelance designer · Austin, TX

"I photographed a crumpled receipt with bad lighting and it logged everything correctly. I've tried four other apps. None came close."

Carlos V.

Consultant · Miami, FL

"I finally know if I'm actually profitable each month — not just busy. That clarity alone made it worth it."

David L.

Freelance developer · Remote

→ Replace placeholders with real testimonials from your beta testers before running ads

Ready to stop guessing? Only 3 spots left this month.

The value

What you're getting (built so you never have to touch it again)

If you hired a developer to build each piece from scratch:

What's included	Market value
n8n automation (Telegram → Google Sheets)	$400
AI processing — photos, audio & text	$300
Custom expense categories for your business	$150
Visual dashboard with charts	$200
Automated monthly report	$100
Ongoing updates & improvements (Care Plan)	$420/yr
Total value	$1,570+
Your investment	from $297

Automation agencies charge $1,500–$3,000 to build this kind of system from scratch. PennyPal delivers the same done-for-you result — built personally for you — starting at $397.

FreshBooks charges $21/month, requires manual entry, and doesn't live in your WhatsApp. Expensify charges per user with no customization. PennyPal: one setup, works where you already are, zero manual work.

💡 Freelancers lose an average of $2,400/year in missed deductions for lack of records. PennyPal pays for itself in the first tax season.

Done for you — pick your speed

Both plans are built personally for you.
The difference is how fast — and what comes after.

No templates. No self-setup. Every system is configured individually for your business.

Done for you

Setup

$297 one-time

No monthly fee · Keep it forever

Your full system, built and handed over. You own it — it runs forever with no subscription.

✓ WhatsApp or Telegram — you choose
✓ Complete done-for-you setup
✓ AI reads photos, voice & text
✓ Custom categories for your work
✓ Google Sheet dashboard
✓ Automated monthly report
✓ Delivered in 72 hours
✗ Monthly improvements & new features
✗ Priority 24-hr support

✓ 7-day money-back guarantee. No questions.

BEST VALUE

Done for you · Priority

Setup + Care

$397 one-time

then $49/month · first month free

Same full setup — delivered faster, plus your bot becomes a weekly financial co-pilot that checks in automatically.

✓ WhatsApp or Telegram — you choose
✓ Complete done-for-you setup
✓ AI reads photos, voice & text
✓ Custom categories for your work
✓ Google Sheet dashboard
✓ Delivered in 24 hours
✓ Weekly spending recap — every Monday via bot
✓ Monthly income & expense report — 1st of each month
✓ US tax deadline reminders — with your actual numbers
✓ Unusual spending alerts & budget warnings
✓ Income milestone notifications
✓ Priority 24-hr support — reply guaranteed
✓ First month of care free

✓ 7-day money-back guarantee. Cancel care plan anytime.

What the Care Plan looks like in practice

Every Monday

📊 Week recap: $340 expenses · $2,100 income · Net: +$1,760. Top spend: Food $94.

1st of each month

📅 March report ready: $6,800 income · $1,430 expenses · $475 in deductible expenses. Full breakdown in your Sheet.

Before each tax deadline

⚠️ Q2 estimated taxes due June 15. Your Q2 income: $14,200 → consider setting aside ~$3,550 (25%). Don't get caught off guard.

Anytime it matters

🚨 Heads up: you've spent 60% more on Software this week than usual. Everything intentional?

Only 3 spots left this month — each setup is built personally.

You keep the system forever. Cancel the monthly care plan anytime — it keeps running.

Built by someone who gave up on spreadsheets

I hated tracking expenses too. So I automated the whole thing.

Jimmy Murcia

Automation builder · Freelance ops specialist

I spent 3 years building automation systems for others before realizing I had zero visibility into my own finances — despite being surrounded by tools. I built PennyPal to fix my own problem first. After 6 months using it myself, I started offering it to others. Every setup is configured personally by me, which is why I limit it to 5 per month.

Questions before buying? Email me directly: hello@pennypal.llc

Common questions

Questions from people who also hate admin work.

"I'm not technical at all. Will this actually work for me?"

If you can send a Telegram message, you're qualified. With Full Setup, you never touch a line of code. I build everything and hand it over ready to use. Your only job is sending messages.

"Do I need Telegram? I only use WhatsApp."

No Telegram required. PennyPal works on both WhatsApp and Telegram — you choose which one during setup. Most people in Latin America and Europe prefer WhatsApp, and it works identically. Just pick whichever you already have open every day.

"Why is it limited to 5 setups per month?"

Because every setup is built personally by me — not generated by a template or a tool. I configure your categories, connect your specific channel, and make sure everything actually works before handing it over. That takes real time and attention, which is why I cap it. If you're reading this, spots are still open.

"I've tried expense apps before. They never stick."

That's exactly why this exists. Most apps are abandoned within 60 days — not because of laziness, but because they add friction instead of removing it. This lives inside Telegram, which you already open every day. The bar to log anything is basically zero.

"What if I want to cancel the $49/month plan?"

You keep everything — the automation, the Google Sheet, the dashboard, the bot. It keeps running exactly as-is. Canceling just means you stop receiving monthly improvements and new features. No penalty, no data loss.

"Is my financial data safe? Who can see it?"

Your data lives exclusively in your own Google Sheet — not on my servers, not in any third-party app. I never see your transactions after setup is complete. You own everything.

"What currency does it support?"

Any currency you want. It's configured to your currency during setup. If you work with multiple currencies, we can handle that too — just mention it when you fill out the onboarding form.

"What's your refund policy?"

7-day money-back guarantee, no questions asked. If the system isn't what you expected within the first 7 days of delivery, I'll refund you in full.

For people who hate
tracking expenses.This does it for you.

This is literally all you do.

You know you should track this.
You just never do.