Spent today
$18,420
Live spend
Every swipe, invoice and API bill lands within seconds, already categorized.
NewAgent cards with per-task budgets
Issue cards, set budgets that hold, and see every dollar your people and your agents spend, the moment they spend it.
Free for teams under 10. No card needed.
app.pennant.example / spend
AI spend
November 2026
Total used
$55.80/ $100.00
$44.20 remaining this month · 56% used
- $31.24
Model inference
Research agent, support bot, 4 more
- $16.06
Tool calls
4,212 calls to 18 tools
- $8.50
Agent card purchases
3 vendors, all within policy
Monthly limit
$100.00
Credits this cycle
Cycle Oct 20 – Nov 18
Used so far
210,900
Daily average
15,064
By Nov 19✓ On pace
451,924
| Oct 20 | 15,740 |
|---|---|
| Oct 21 | 15,830 |
| Oct 22 | 15,310 |
| Oct 23 | 15,050 |
| Oct 24 | 9,440 |
| Oct 25 | 8,590 |
| Oct 26 | 16,520 |
| Oct 27 | 16,590 |
| Oct 28 | 17,980 |
| Oct 29 | 23,180 |
| Oct 30 | 18,270 |
| Oct 31 | 9,210 |
| Nov 1 | 10,010 |
| Nov 2 | 19,180 |
Trusted by finance and platform teams at fast-moving companies
Agent cards
A card for every agent, with a limit it can't talk its way past.
- Budgets per task, per day or per vendor, enforced at the moment of purchase.
- Every charge arrives with the prompt and tool call that made it.
- Freeze a card from chat, the dashboard or the API.
Agent cardresearch-agent
Serena Lo
Agent cardsupport-bot
Product
Finance that runs itself, until it shouldn't
Rules handle the routine. You get pulled in only for the spend that needs a human.
Matched to policy, completed
Over $2,000: asked Mina, completed
Paying vendor, in progress
Approvals in one tap
Pennant checks policy, then asks the right person.
- Block gambling merchants
- Receipts over $75
- Weekend spend
Policies as switches
Turn rules on without a ticket to finance.
Kettle & Kiln · $76.15
Matched to card ••4821
Receipts, matched
Forwarded, photographed or pulled from email, then matched for you.
- Software 6110$12,480
- Travel 6240$4,215
- AI compute 6115$8,902
Books that close
Synced to your ledger with the right accounts, every night.
Everything spend touches, in one place
Start with cards. Add the rest when you need it; it's all the same ledger.
Cards
Bill pay
Agent budgets
Reimbursements
Accounting sync
By the numbers
- Spend managed
- $2.4B
- Across cards, bills and agents
- Teams
- 14,000+
- From 3 people to 3,000
- Faster close
- 62%
- Median, in the first quarter
- Uptime
- 99.99%
- Over the last 12 months
Teams that stopped chasing receipts
We gave our research agent a $400 daily card and stopped worrying about runaway API bills.
Finally one place for card spend and model spend. The budget meter is on our team TV.
Every charge tells you which prompt made it. That alone paid for Pennant.
Simple pricing that scales with you
Every plan includes unlimited cards and agent budgets.
Starter
For small teams getting organized.
$0/ month
Free forever
- Up to 10 people
- Physical and virtual cards
- Receipt matching
- Popular
Team
For growing teams and their agents.
$12/ month
Billed monthly
- Everything in Starter
- Agent cards with budgets
- Approvals and policies
- Accounting sync
Scale
For finance teams with complex books.
$29/ month
Billed monthly
- Everything in Team
- Multi-entity
- Custom roles and audit log
- Dedicated support
Questions, answered
Each agent gets a virtual card with a budget per task, day or vendor. Purchases outside the budget are declined at the moment of purchase, and the agent can request more.
No. Pennant is a fictional template. A real product would partner with a licensed bank to issue cards.
The common ledgers, with account mapping you set once. Sync runs nightly, or on demand.
Yes. Policies can apply to a team, a person, a card or an agent, and the most specific one wins.
The charge is declined, the agent receives a clear error it can act on, and the owner gets a one-tap request to raise the limit.
Get started
Put every dollar on a budget
Set up in an afternoon. Free for teams under 10.