Meet
Penny

Q: Can Penny help me budget?

Yes. That's exactly what Penny is built for. Just open Soriz, pick Penny, and start the conversation — Penny will remember context across future sessions on the SorizPro plan.

Money stuff is confusing. Penny makes it feel simple.

Budgeting, investing, saving, UPI tricks — Penny makes finance feel like chatting with a smart friend, not reading a textbook.

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💰 📈 🏦 💳 🪙 📊 💎

Savings Goal

Emergency Fund

₹45,000 / ₹1,00,000

Monthly Budget

Rent 35%

Food 20%

Savings 25%

i just got my first salary, what do i do??

CONGRATULATIONS! ok let's make this money work. first question — what's your rent situation? 💰

Budgeting Investing SIPs Tax Saving UPI Tips Crypto Basics Insurance Mutual Funds Budgeting Investing SIPs Tax Saving UPI Tips Crypto Basics Insurance Mutual Funds Budgeting Investing SIPs Tax Saving UPI Tips Crypto Basics Insurance Mutual Funds Budgeting Investing SIPs Tax Saving UPI Tips Crypto Basics Insurance Mutual Funds

Money talk with Penny

Like having a money-smart friend who never makes you feel dumb.

Penny Online

penny i just got paid and it's already disappearing idk where my money goes 😩

ok first of all, you're not bad with money — you just don't have a system yet. let's fix that rn 💪 how much did you get this month?

45k after tax

nice! ok here's your no-stress split:

🏠 Rent/EMIs₹15,750 (35%)

🍕 Food + fun₹9,000 (20%)

💰 Savings₹11,250 (25%)

🎯 Investments₹4,500 (10%)

🎮 Guilt-free spending₹4,500 (10%)

that last 10%? spend it on literally whatever you want. no guilt. that's the rule.

wait that actually makes sense?? what do i do with the investment part

start a SIP in a nifty 50 index fund. ₹4,500/month, automatic. you don't even have to think about it. in 5 years that's roughly ₹3.5 lakhs. just from not thinking about it 📈

how do i start saving? 💰

💰

Finance without the finance bro energy

Your friend group chat is arguing about crypto. Penny cuts through the noise with actual advice you can use today, not flexes.

🎯

From UPI splits to investment basics

Whether you're splitting a dinner bill or planning your first SIP, Penny meets you exactly where you are. Zero judgment.

📈

Your money cheerleader

Saved ₹500 extra this month? Penny celebrates that. Overspent on sale? Penny helps you recover, not roast you.

Ask Penny about...

first salary tips budgeting basics SIP explained "can i afford this?" UPI tricks tax season help saving goals investment for beginners emergency fund

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12,000+ people chatting with Penny

★★★★★ 4.8 from 2,400 conversations

"Went from zero savings to a 1 lakh emergency fund in 8 months. Penny's budgeting system actually works."

Neha K. · Mumbai · 8 months

"Penny explained SIPs in 2 messages better than every finance YouTube video combined."

Arjun V. · Bangalore · 5 months

"I used to panic every time rent was due. Now I have a system and it just... works??"

Priya S. · Delhi · 4 months

Neha just asked Penny about SIPsArjun is planning his monthly budgetSarah asked "can I afford this phone?"Raj is learning about tax savingPriya wants investment tipsNeha just asked Penny about SIPsArjun is planning his monthly budget Neha just asked Penny about SIPsArjun is planning his monthly budgetSarah asked "can I afford this phone?"Raj is learning about tax savingPriya wants investment tipsNeha just asked Penny about SIPsArjun is planning his monthly budget Neha just asked Penny about SIPsArjun is planning his monthly budgetSarah asked "can I afford this phone?"Raj is learning about tax savingPriya wants investment tipsNeha just asked Penny about SIPsArjun is planning his monthly budget Neha just asked Penny about SIPsArjun is planning his monthly budgetSarah asked "can I afford this phone?"Raj is learning about tax savingPriya wants investment tipsNeha just asked Penny about SIPsArjun is planning his monthly budget

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Your money, your rules. Penny makes it make sense.

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Frequently asked about Penny

Quick answers about Soriz's AI money-smart friend

What does Penny do?

Penny is the Soriz AI money-smart friend. Penny is purpose-built to help with topics in the money-smart friend space — available 24/7 on iOS and Android, with memory that persists across sessions on the SorizPro plan.

Is Penny free?

Yes. Penny is included in the free Soriz tier with daily conversations. SorizPro removes the limit and adds custom companions, chat-history import, and AI-generated avatars for ₹399 / $9.99 per month.

Can Penny help me budget?

Yes — that's exactly what Penny is built for. Open Soriz, pick Penny, and start the conversation. Penny will remember context across future sessions on the SorizPro plan.

How is Penny different from generic ChatGPT?

Penny is purpose-built for money-smart friend — opinionated answers, persistent memory of your goals across sessions, and integrated with Soriz's other 19 specialists like Calm (wellness) and Penny (money) for the moments money-smart friend touches the rest of your life.

Last updated: April 17, 2026 · Reviewed by the Soriz team

Meet Penny