Every other finance app wants your data on their servers, your credit card on file every month, and the power to lock you out whenever they feel like it. They raise prices. They kill features. They make it harder to get your own data out.

🔐

Your data never leaves your computer. Ever.

No accounts, no cloud, no breach risk. Your bank statements, spending, net worth — all on your machine. Nobody else sees a byte.

💰

Buy it once. Own it forever.

No subscriptions. No "your plan is expiring" emails. PennyBolt keeps working whether we ship an update next week or next decade.

✨

Your bank statements finally make sense.

Smart merchant matching turns cryptic bank codes into real names. Auto-categorization that learns. Reports that show you where your money actually goes.

🔓

Your data goes where you go.

One portable file. Export anytime. Switch from Quicken or Mint in minutes. You should stay because it's great, not because you're stuck.

🎛️

As much help as you want. No more, no less.

Want PennyBolt to handle everything automatically? Done. Prefer to categorize manually? Also done. You set the dial.

💻

Mac. Windows. Linux. One app, same experience.

Your data is a single file you can copy, back up, or move to a new computer in seconds. No migration wizard. No export dance. Just grab the file and go.

Import anything. Own everything.

PennyBolt works with what your bank already gives you. If your bank lets you download it, PennyBolt can use it.

📄 Bank downloads (OFX/QFX)

📊 Spreadsheet exports (CSV)

📑 PDF statements

🔄 Quicken & Mint data

Re-import safely anytime. No duplicates. No corruption. No fear.

What you get

Real tools. Not a dressed-up spreadsheet.

📊

Net worth dashboard

See your complete financial picture — assets, liabilities, and net worth — the moment you open the app.

🧠

Smart merchant matching

PennyBolt recognizes merchants even when your bank butchers the name. Same merchant, same category, every time.

🏷️

Auto-categorization

Set a rule once and every matching transaction gets categorized automatically — past, present, and future.

📈

Spending reports & trends

Category breakdowns, spending trends, and merchant analysis. See where your money actually goes.

📁

One-file portability

Your entire financial history is a single file. Back it up to a USB drive, Dropbox, wherever you want. It's yours.

See all features →

What actually makes it different

	Typical apps	PennyBolt
Your data	On their servers	On your computer
Pricing	Monthly subscription	Buy once, own forever
If they shut down	Scramble to export	Nothing changes
Getting data in	Requires bank connection	Import files from your bank
Data export	Limited or locked	One file, always yours

Built for people who...

Don't trust financial aggregators with their data
Want their finances on their own machine
Are tired of apps that break when bank connections fail
Used Quicken or Mint and want something better
Care about long-term ownership of their financial history

You shouldn't need a subscription to manage your financial history

Quicken charges you every year just to see your own money. Mint sold your data to advertisers. YNAB raised prices and told you to deal with it. PennyBolt is different — you buy it, you own it, and nobody else ever sees a dime or a data point.

Free 90-day trial. Then $49.99 to own it. $29.99/yr for updates — optional, never required.

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PennyBolt

PennyBolt is different.