Founding Member spots: 20 of 20 remaining — lock in $9/mo forever
20 Founding Member spots left — first come, first served

Grow your Substack by 100+ subscribers/month. Without paid ads.

Penny Pass matches indie finance writers on Substack for monthly subscriber swaps. Each swap puts you in front of a warm, engaged audience who already loves personal finance — exactly like yours. No ads. No algorithms. Just writers helping writers grow.

Grab a Founding Member spot — $9/mo→
Only 20 spots · 0 taken · cancel anytime
See full pricing
How it works

Three steps to a bigger audience

The mechanism is simple: you write for their readers, they write for yours. Both audiences discover a new voice they already trust.

01
⟷

Get Matched

Tell us your niche and subscriber count. We pair you with a writer whose audience is complementary — similar demographics, different angle. No guesswork.

02
⇄

Swap Issues

Each month, write one curated issue for your match's audience. They do the same for yours. It reads like a genuine recommendation, not an ad — because it is.

03
↑

Watch It Compound

Every swap brings in 50–200 warm subscribers who already like your niche. Do it every month and growth compounds fast without spending a dollar on ads.

Honest answer

“Why would I trust a new platform?”

Fair question. Here's the honest answer: we're early-stage and you'd be one of the first 20 members. We can't promise thousands of writers yet.

What we canpromise: the mechanism works. Newsletter swaps are one of the most proven growth tactics in creator economics — Substack writers have been doing them informally for years. We're just making it systematic, curated, and easy.

At $9/month you're not betting the house. You're trying something that makes intuitive sense, with a team that built this because we couldn't find it ourselves. Cancel any time if it's not working.

✓
Cancel any time
No contracts, no lock-in. If you don't grow, you don't stay.
✓
Curated, not random
Every match is reviewed by hand. We reject bad fits before you meet them.
✓
You control your brand
You approve the swap content before it goes to your readers. Always.
✓
Founding rate locked forever
Join at $9/mo and that price is yours permanently, even when we raise rates.
Who it's for

Built for indie finance writers on Substack

Whether you have 200 subscribers or 20,000 — if you write about money, you belong here.

FIRE & Early RetirementCrypto & DeFiSide HustlesIndex Fund InvestingReal Estate HacksCareer & Salary NegotiationBudgeting & SavingFinancial IndependenceStock MarketGen Z Money
Pricing

Start at $9. Scale when you're ready.

The Founding Member tier is our way of rewarding early believers with a permanent low rate. Only 20 spots exist.

Only 20 spots left
Founding Member
$9/month

Founding rate · locked in forever

Get in first, lock your rate, and help shape what Penny Pass becomes. The 20 founding members get permanent $9/mo pricing — even when we raise rates for everyone else.

Spots filled0/20

Be the very first — 0 spots taken so far

Grab your Founding Member spot →

Secure Stripe checkout · cancel any time

  • ✓Monthly writer matching with complementary finance newsletters
  • ✓Curated subscriber swap coordination every month
  • ✓Lock in $9/mo forever — founding rate never increases
  • ✓Direct access to founding member Slack community
  • ✓Shape the product roadmap as an early adopter
Penny Pass Pro
$29/month

Standard plan · for established writers

For writers who have found their voice and are ready to scale. Includes priority matching and a dedicated onboarding call.

Subscribe to Pro →

Secure Stripe checkout · cancel any time

  • ✓Everything in Founding Member
  • ✓Priority matching with higher-subscriber writers
  • ✓Revenue-share coordination built into the program
  • ✓Dedicated onboarding call with the Penny Pass team
Not sure yet? Start with the Founding Member tier — you can always upgrade.

Not ready yet?

Join the waitlist — we'll notify you when new Founding Member spots open.

Not ready yet?

Join the free waitlist

Not publishing consistently yet? Drop your email and we'll reach out when a cohort opens up for developing newsletters.

No spam, ever. Unsubscribe anytime.