Penny
Penny
iMessageToday 9:41 AM
Hi, 👋 I'm Penny. It's nice to meet you! Ask me anything and I'll use the best AI model to respond. No app, no account, and free while we're in private beta.
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See Penny in action by tapping any prompt

🍳
Everyday
“What can I make for dinner with chicken, rice, and broccoli?”“Give me a 20-minute no-equipment morning workout.”“How do I get red wine out of a white shirt?”“What's a healthy 5-minute breakfast I can make before work?”
🤔
Curious
“Teach me one impressive fact to share at dinner tonight.”“Tell me something surprising about the human body.”“What's a common thing everyone believes that's actually a myth?”
👨‍👩‍👧
Parenting
“Write a short bedtime story about a brave little turtle for my kid.”“How do I explain where rain comes from to a curious 4-year-old?”“Suggest 5 screen-free games for a long car ride with kids.”
💸
Money
“Explain compound interest like I'm 12.”“What's the smartest way to pay off $8,000 of credit card debt?”“What's the 50/30/20 budget and how do I start one?”“How much should I have in an emergency fund?”
💬
Communication
“How do I politely get out of plans I no longer want to go to?”“How do I say no to a friend asking to borrow money?”“Help me apologize to a friend I haven't talked to in a while.”
EVERY TOP AI

One answer that synthesizes all the best frontier AI models.

Think hard: should I rent or buy a $1.2M place in Oakland? The same place rents for $7,000/mo. 7.1% mortgage rate, $240K down, 5-7 year horizon.
OpenAIREASONING · 96K CTX
GPT‑5.5 Pro
thinking · pro mode0.0s
AnthropicEXTENDED · 200K CTX
Claude Opus 4.8
extended thinking0.0s
GoogleDEEP THINK · 1M CTX
Gemini 3.1 Pro
deep think mode0.0s
◆ PENNY · SYNTHESIS

The models split: two say rent, one says buy.

Opus and GPT‑5.5 land on rent; Gemini says buy. The split traces to one variable: how much of the 2026 tax benefit you can actually capture. At a 14.3x price‑to‑rent ratio it’s closer than the usual “just rent at 7%.” Rent is the safer default, especially on a 5‑year hold; buying is defensible if you’ll stay about 7 years, can use the deductions, and the home qualifies for standard, not FAIR Plan, insurance.

Open the synthesis →
NEVER STUCK ON WHAT TO ASK

Automatic suggested follow-ups.

After Penny answers, she automatically suggests a few relevant follow-up questions. Tap one to go deeper, so you never have to think of what to ask next.

After an impressive dinner fact:
More octopus facts
Why copper‑based blood
Another dinner fact
After explaining compound interest:
Simple interest then
How does inflation fit in
How fast can it grow
AGENTS

Batteries‑included OpenClaw.

The best agentic harness is also one of the scariest to set up: API keys, shell access, a hosted server, a security review, all before it says hello. Penny does the setup, the hosting, and the LLM plumbing on our side. You iMessage. She does the rest.

01 / KEYS

API keys, paid for you.

Every agentic harness costs tokens. Penny carries the keys to every frontier lab on her side. You never paste a credit card into Anthropic, OpenAI, or Google. The membership covers it.

02 / HOSTING

Hosted, ready to run.

OpenClaw normally wants shell access on your laptop or a server you maintain. Penny runs it on our infrastructure, scaled to whatever the job needs, and tears it down when it’s finished.

03 / GLUE

iMessage in, iMessage out.

No CLI flags, no YAML config, no MCP server to spin up. Tell Penny what you want in plain English. She picks the right harness, drives it, and threads the result back to you in iMessage.

HOW IT FEELS
Use OpenClaw to build me a roguelike dungeon crawler I can play on my phone.
Spinning up OpenClaw on our cluster. ETA ~3 minutes. I’ll send the link here when the build finishes.
Done. chatpenny.ai/p/85197. Open it on this phone, it works offline.

Same surface you use to ask for a recipe. No new app, no key, no server.

GROUP CHATS

The easiest way to introduce
AI to someone.

People who’ve never used AI won’t install an app. They’ll absolutely text in a group chat. Start a thread with Penny, you, and whoever you’re trying to convert. They watch you ask, see the answer, tap their own follow‑up. Penny attributes replies to whoever asked.

Sara, Marcus & Penny
Sara
Marcus swears air fryers are basically convection ovens. I say they’re not. Settle it lol
@Penny who’s right? And which actually cooks fries crispier?
Penny
Sara’s closer. An air fryer is a small convection oven, just with a tighter basket and a faster fan, so hot air hits the food from all sides at once.

For fries: the air fryer wins on crisp. More surface area per fry gets blasted, and there’s less crowding than a sheet pan, so you get crunch without much oil. A full oven is better when you’re cooking a big batch at once.👍
Marcus
vindicated 😎 @Penny what temp and time for frozen fries in the air fryer?
Penny
400°F for 15-18 min. Shake the basket halfway and don’t overcrowd it, one even layer. For extra crunch add 2 min at the end and a light spritz of oil.❤️
COMMON QUESTIONS

FAQ

What is Penny exactly?
Penny is a contact in your iMessage. You text her like a friend; she texts back. Behind the scenes she routes your question to the right one of 27 frontier AI models (ChatGPT, Claude, Gemini, and more). When a question calls for it, she goes further: asking several of the top models in parallel and synthesizing their answers into the best one, instead of just picking a single model. One number, every model, free while we're in private beta.
How fast does she reply?
Most replies come back in under two seconds. Long jobs (image generation, three‑model research, agentic builds) take longer. Penny tells you what she's working on while she works.
Does Penny remember our conversations?
Yes. Penny remembers what you've talked about with her so you don't have to repeat yourself. She doesn't see your iMessages with anyone else, only the thread she's in.
What languages does she understand?
The same languages the frontier models do: essentially every major written language. Write to her in yours; she'll match.
How is this different from Siri?
You can't iMessage Siri. Siri is voice‑only on a single device. Penny is a real iMessage thread that holds context, reads photos and PDFs, generates images, hosts agentic builds, and syncs across all your Apple devices.
Can I have Penny in multiple group chats?
Yes. Penny is just a contact. Invite her into as many group threads as you want. She attributes reactions and follow‑ups to whoever tapped them.
Can I share Penny with a friend?
Add her to a group chat with them.
How much does it cost?
Nothing right now. Penny is completely free while we're in private beta, no card and no account. We'll introduce paid plans later, with plenty of notice.
Will it stay free?
It's completely free during our private beta. We'll add paid plans down the road, and when we do, we'll optimize cost ruthlessly, using the best model that can answer your question well and never one that's overkill. We'll give you plenty of notice before anything changes.
Is Penny safe for kids?
Penny uses the safety filters built into each underlying model: no NSFW, no harm advice. That said, she's a language model, not a parent. Use the same judgment you'd use letting a kid use Google.
What if Penny is wrong about something important?
She's a language model, not a doctor, lawyer, or accountant. For decisions that matter (medical, legal, financial) Penny is great at orienting you, but verify before you act. Tap "Think harder" for a three‑model second opinion on the big calls.
What if I’m on Android?
Android is currently not supported but on our roadmap.
What happens if I react to one of Penny’s messages?
React to any of Penny’s messages with an emoji and she’ll ask why. Reply directly to that message (a threaded reply) to tell her, and she learns from it, so when we improve Penny we improve her against the things people actually liked or disliked. If you just send a new message instead, it’s treated as a normal question, not feedback.
Will Penny ever spam me?
No.
JUST iMESSAGE

Penny is
one iMessage away.

Dinner ideas. Research questions. Coloring pages. Counter‑offers. The S&P close. The Spurs game. The faucet under the sink. Penny can help with all of it.

QR code to text Penny
+1 (650) 505‑2769
iMessage Penny for free