Free means free
Every homeowner tool stays free. Not a trial, not a freemium tier engineered to frustrate you into upgrading.
Why we exist
A mortgage statement tells you what you owe. Nothing tells you what you own.
For most households, the home is the single largest asset they will ever hold — and the one they understand least. You get a statement every month showing the balance going down, but nothing showing the equity going up. Nothing showing what the house actually costs once taxes, insurance, upkeep and the quiet drip of PMI are counted. Nothing showing what one extra payment a year would be worth over two decades.
The software that does answer those questions exists, but it was built to be sold to lenders and brokerages. Homeowners see it only as a monthly email from their agent, written to keep them warm as a lead. The numbers are real, but the audience was never really them.
The Penny Planter flips that around. The homeowner is the customer. The tools are free, permanently, and they work whether or not an agent ever sends you anything. Realtors are welcome here, and they get a portal for setting their clients up — but they are the second audience, not the first.
