Money Management Budgeting Tool

Putting Your Money Where It Counts.

Ever wonder where your paycheck goes?

You work hard for the money. Know where it goes and see how you can keep more of it by enrolling in our free Money Management tool.

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Create healthy spending habits

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Eliminate debt

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Increase your savings

Paint your financial picture with all your accounts in one place.

Account Aggregation

Aggregate your financial account balances and transactions into one place and get a complete financial picture. Money Management aggregates more than 10,000 financial institutions and is growing. Account aggregation gathers basic information from all of your different financial institutions and organizes it into one place.

Spending & Trends

How much do you spend on dining out every month? On gas or daycare? With the spending tool, quickly identify your biggest expenses and categorize your spending. The trends feature shows you category spending over time and compares it to your income, showing where and when you may need to cut back.

Setting Goals and Paying Off Debt

What are your financial goals? Saving for a house, vacation, retirement or building up an emergency fund? Goals help you plan for short- or long-term financial ambitions. Set savings, debt payoff or retirement goals and easily track how much you’ve saved for each goal. Pay your debt down faster with Money Management’s debt tool. See all your loans and debit in one place and learn techniques on how you can pay them off in less time and pay less in interest.

Bubble Budget

Easily edit and manage budgets in one place and quickly identify ones that need your attention based on color and size. Get started with an auto-generated budget based on your past spending habits and adjust as needed to fit your lifestyle and keep you on track.

At a glance, you will be able to determine a budget’s:

  • State
  • Relative Value
  • Spending Progress
  • Relationship to other budgets


Your privacy and security is top-priority. With that in mind we’ve integrated Money Management into your Online Banking and Mobile App to insure that your sensitive information is protected with the highest of security standards.

Become a goal getter.

Cash in on your savings today.

Crunch the numbers

What other numbers can we work for you? Calculators

Need a little more information?

Maybe you’ll find what you’re looking for here.

Money Management automatically calculates how long it will take you to pay off each debt, based on your balance, APR and minimum payment. The default setting is to prioritize your debts by Fastest Payoff First, but you can change the priority by clicking on the drop down menu at the top-left corner of the Debts view.

Click on the gear icon in the navigation bar to open Settings, and then click on the Alerts tab. Simple Alerts automatically sets up your alerts with the most popular configuration. Just click on the alert to determine whether it is on or off. Switch to Detailed Alerts if you want to choose which accounts have alerts, what values trigger an alert and how alerts are delivered. If you want to receive alerts via email, you must first verify your email address by clicking on the yellow “Verify your email address to receive alerts” link in the Settings view.

If you want to receive alerts via text, you must first verify your mobile phone number by clicking on the yellow “Verify your mobile number to receive alerts” link in the Settings view.

The Budgets View can help you track and control your spending in select budget categories. You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely. Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.

There is a special category called “Transfer” for loan payments and transfers that will exclude those transactions from Spending and Budgets.

  • A note about payments. All loan payments have two transactions: the negative transaction of money leaving your bank account and the positive transaction of money paid towards the debt, decreasing what you owe. The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment.
    • For example: The negative transaction of a mortgage payment would be categorized as Home: Mortgage & Rent, and the positive transaction would be categorized as Transfer: Mortgage Payment.
  • You can create custom subcategories for all of your loan payments if you wish. A loan payment essentially is a transfer. The money leaves your bank account but you then own that much more of the asset associated with the debt.
  • Credit cards are different, because there is no asset associated with the debt. A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget. If you actively use your credit card, payments on that card should be categorized as Transfer: Credit Card Payment.

Money Management will save data on Money Management for as long as you do not delete or close your account with PenAir.

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