Make a pact
Invite three to five friends, choose a shared savings target, and set the deadline together. Small squads keep accountability personal.
Social savings, minus the spreadsheet
Your friends saw that spend.
Broke Friends by PennyPact turns saving into a squad game. Share anonymized spending, build streaks, and face a harmless penalty when you miss the pact.
Free for up to 5 friends. No card required.
Squad streak
12 days 🔥
The friend pact
Accountability without money shame.
Private by design
Your squad sees category and amount—not merchants or account credentials.
Penalties you approve
Choose the boundaries before the challenge starts. Nothing mean, public, or surprising.
Tiny squads only
Groups stay between three and five people so support feels real, not performative.
Cancel anytime
No long contract, setup fee, or guilt trip if PennyPact is not for you.
How Broke Friends works
Less budgeting theater. More follow-through.
See the spend, not the secrets
PennyPact posts anonymized amounts and spending categories to your squad chat in real time—enough context for accountability without exposing merchants or account details.
Keep the streak alive
Savings streaks and squad leaderboards turn progress into a game. Shareable receipts make every win easy to screenshot and celebrate.
Take the consequence
Miss your goal and PennyPact serves a mild, pre-approved penalty: post the photo, do the dare, or send $5 toward a rival goal.
A receipt worth sharing
“Skipped takeout. Squad goal moved $24 closer.”
Turn progress into clean, screenshot-ready receipts without exposing the private details behind the purchase.
3–5
friends per squad
$0
to start a pact
Simple pricing
Save money. Don’t spend much on the app.
Start with the whole squad for free. Upgrade only when you want deeper challenges and history.
Broke
Everything a new squad needs
$0 forever
- One squad of up to 5 friends
- Category-only spend posts
- Goals, streaks, and leaderboard
- Weekly shareable receipt
Best for committed squads
Pact+
More ways to make the goal stick
$4/member/month
- Everything in Broke
- Custom and rotating penalties
- Multiple simultaneous goals
- Full streak and category history
- Advanced shareable receipts
Straight answers
Before you expose your takeout habit.
Make the pact
Stop saving posts. Start saving money.
Bring three friends, choose one goal, and let PennyPact handle the awkward accountability.
Create a free squad