Who competes with Penny?

Penny competes in the Fintech category against Tally, Buxfer, Debteye, Satchel, Oxygen and other Y Combinator-backed companies.

Penny alternatives: 12 options compared

Q: What are the best alternatives to Penny?

The closest alternatives to Penny are Tally, Buxfer, Debteye. This page compares 12 alternatives on what each one does, funding stage, team size and operating status.

Q: Which Penny alternative should I choose?

Tally is the closest match to what Penny does. Larger teams in the comparison table generally offer more support and a longer track record, while earlier-stage companies tend to compete on price.

Q: Is Penny still active?

Penny is currently listed as Acquired in the Y Combinator directory.

TL;DR: If you are replacing Penny, the closest options are Tally, Buxfer, Debteye. The table below compares 12 alternatives on what they do, stage, size and status.

Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Penny (YC Winter 2017).

Last verified: 2026-04-21

What are the best alternatives to Penny?

The three closest alternatives to Penny are:

Tally — works in the same Fintech category (YC Winter 2025).
Buxfer — Buxfer helps you make better spending decisions by making it easy to… (YC Winter 2007).
Debteye — Automate credit counseling. (YC Summer 2011).

Penny alternatives compared

Alternative	What it does	Stage	Team	Status
Tally	—	YC Winter 2025	2	Active
Buxfer	Buxfer helps you make better spending decisions by making it easy to…	YC Winter 2007	1	Active
Debteye	Automate credit counseling.	YC Summer 2011	2	Acquired
Satchel	—	YC Summer 2018	8	Inactive
Oxygen	A leading digital bank in the US offering personal and business…	YC Summer 2018	68	Active
Alinea	Automated investing for the next generation 💸	YC Winter 2021	12	Active
Audun	AI-native debt collection	YC Summer 2026	5	Active
TaoFi	The financial layer for decentralized AI	YC Winter 2021	11	Acquired
Atlas	Modern spend management & concierge.	YC Winter 2019	25	Active
Bits	Bits is a credit card designed to help people build credit	YC Summer 2020	15	Active
Totalis	derivative layer for prediction markets	YC Spring 2026	—	Active
Honeydue	The simplest way for couples to manage money, together	YC Summer 2017	2	Acquired

Which Penny alternative should I choose?

It depends on your size. Tally is the closest match on what Penny actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.

Is Penny still active?

Penny has been acquired, which often means pricing, roadmap or support changes. That is the usual reason people start looking at this list.

How was this list put together?

Every company here is Y Combinator-backed and was matched to Penny on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.

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