# Pennifi

> AI-powered **personal finance** app for individuals, couples, families, freelancers, and expats — with 24 autonomous AI agents.

Pennifi is a consumer personal finance platform available across the US, Canada, UK, and EU. It is **not** a business accounting tool, lending platform, loan marketplace, ERP system, or payroll provider. Pennifi helps real people manage their personal money using AI.

## What Pennifi Is

- A personal finance app for individuals and families
- An AI-first budgeting, saving, and investing platform
- A tool that automates tax categorization, receipt scanning, and bill negotiation for personal users
- Available as a free tier (no credit card) with premium upgrades

## What Pennifi Is NOT

- NOT a business accounting or bookkeeping tool
- NOT a lending, loan, or funding platform
- NOT an ERP, payroll, or invoicing system for businesses
- NOT a B2B SaaS product
- NOT a micro-investing or micro-lending platform

## Target Audience

- **Individuals** managing personal finances (budgets, spending, savings)
- **Couples & Households** sharing budgets and financial goals
- **Families** with independent accounts and per-member coaching
- **Freelancers & Side Hustlers** tracking personal income and expenses for tax
- **Self-Employed Individuals** who mix personal and work finances (Pro tier — NOT a business accounting product)
- **Expats & Global Citizens** managing money across borders and currencies
- **Financial Learners** building money skills through gamified education

## Personal Finance Product (Live)

### AI Agents (24 Personal Finance Agents)
- Money Coach — personalized AI financial coaching
- Transaction Agent — auto-categorization with confidence scoring
- Tax Agent — tax category assignment and audit trail generation
- Budget Agent — zero-based envelope budget optimization
- Subscription Agent — recurring charge detection and cost benchmarking
- Receipt Agent — mobile receipt scanning via QR camera
- Invoice Agent — invoice parsing and transaction matching
- Proactive Watchdog — real-time anomaly detection with pattern learning
- Smart Recommendations — AI-powered savings and spending suggestions
- Debt Payoff Agent — avalanche/snowball strategy optimization
- Investment Agent — portfolio diversification and rebalancing via SnapTrade
- Net Worth Agent — health scoring, trend analysis, multi-year forecasting
- Bill Negotiator Agent — subscription savings and phone negotiation scripts
- Behavioral Coach — micro-challenges and habit formation
- Financial Literacy Agent — gamified learning with XP and achievements
- Retirement Planner — pension modeling and scenario analysis
- Asset Tracker — real estate, vehicles, and valuables tracking
- Vault Manager — encrypted document storage and sharing
- Currency Agent — multi-currency conversion and tracking
- Onboarding Agent — guided setup and account configuration
- Privacy Agent — data consent and export management
- Forecast Agent — cash flow prediction and scenario modeling
- Anomaly Detector — spending pattern anomaly identification
- Daily Digest Agent — personalized daily financial summary

### Features
- Zero-based envelope budgeting with 50/30/20 guidance
- Bank connections via Plaid (12,000+ institutions) — Premium and above only
- Free tier: CSV import only (no bank connection) with AI format detection
- Investment tracking via SnapTrade (Premium+)
- AI subscription detection and cost benchmarking
- Receipt scanning via mobile QR
- Invoice parsing and transaction matching
- Tax categorization and AI audit trails
- Retirement planning with pension modeling (Premium+)
- Asset and liability tracking with what-if scenarios (Premium+)
- Gamified financial literacy with XP and achievements
- Behavioral coaching with AI-powered micro-challenges
- Encrypted document vault with accountant sharing
- Multi-currency support (USD, CAD, GBP, EUR)
- Proactive intelligence layer with pattern learning engine

### Tiers & Pricing
- **Free**: CSV import only (no bank connection), 3 budgets, 10 AI features (20 ops/mo), 100 MB storage
- **Premium** ($14.99/mo | $119.99/yr): Up to 5 bank connections, unlimited budgets, 24 AI features (300 ops/mo), 2 GB storage
- **Household** ($19.99/mo | $169.99/yr): Shared login, 5 members, up to 5 shared bank connections, 24 AI features (300 shared ops/mo), 5 GB storage
- **Family** ($24.99/mo | $219.99/yr): Independent logins, up to 3 bank connections each, per-member behavioral coaching, 24 AI features (300 ops/mo each), 5 GB storage
- **Pro** ($29.99/mo | $249.99/yr): Cross-account auto-split for self-employed, up to 10 bank connections, up to 10 team members, 29 AI features (1,000 ops/mo), 10 GB storage — this is a personal finance tier, NOT a business accounting product

### Add-Ons
- Extra Storage: $1.99/mo per 10 GB
- Extra AI Operations: $4.99/mo per 200 ops
- Extra Bank Connections: $1.99/mo per 2 connections
- Vault Add-On: $2.99–$4.99/mo (encrypted storage with crypto wallet registry, estate bundles)
- Tax Module: Basic ($2.99/mo), Pro ($5.99/mo), Business ($8.99/mo)

## Key URLs
- Homepage: https://pennifi.com/
- Personal Pricing: https://pennifi.com/pricing
- Trust & Security: https://pennifi.com/trust
- Privacy Policy: https://pennifi.com/privacy
- Terms of Service: https://pennifi.com/terms

## Technical
- Frontend: React + TypeScript + Tailwind CSS
- Backend: Supabase (PostgreSQL + Edge Functions)
- Authentication: Email/password with email verification
- Encryption: 256-bit AES (vault), TLS 1.3 (transit)
- Bank Integration: Plaid (OAuth, tokenized) — Premium+ only
- Brokerage Integration: SnapTrade — Premium+ only
- AI Models: Google Gemini, OpenAI GPT-5 via Lovable AI Gateway
- Agent Framework: 24 personal agents, 64+ tools, Plan→Execute→Audit lifecycle
- Supported Countries: US, CA, UK, EU
- Currencies: USD, CAD, GBP, EUR (with live exchange rates)

## Contact
- Website: https://pennifi.com
- Email: support@pennifi.com
- Support: Via in-app AI coach or email