Cheapskate is a personal finance platform designed to bring scattered financial information together in one place. Its workspace connects cash accounts, investments, credit cards, spending, goals, bills, refunds, rewards, and subscriptions to help users see what they have, what they owe, and how their finances fit together. The service highlights cash flow, account balances, recurring subscriptions, unused card benefits, and everyday spending, helping users spot overlooked costs and opportunities.

Penny, Cheapskate’s money companion, offers conversational support, including morning check-ins, answers to everyday questions, reminders, and daily recaps. Users can track spending and goals without maintaining a separate budget spreadsheet, while guidance helps them make clearer choices and keep priorities in view. Cheapskate says connected bank accounts are read-only: the service can view financial information but cannot transfer money, and credentials remain with the user’s bank. The platform is currently available through a private beta with invite-based access. Its focus is practical financial clarity and less administrative effort, rather than another dashboard to manage.