Import your entire Quicken, Mint, or bank history into a single file on your computer. Sankey reports. Bank reconciliation. Smart categorization. $49.99 once — not every month, forever.
Mac · Windows · Linux · No cloud · No Plaid · No subscription
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 shut down and take your history with them.
Your entire financial history lives in a single file you control. Copy it. Back it up. Move it anywhere. Keep it forever. Desktop-first — this is where you sit down and actually think about money.
Sankey flow charts trace every dollar from income to category. Bar charts and trend analysis by week, month, or year. Reconcile against your bank statement. Spot problems before they compound.
Drag in bank files, PDF statements, or your entire Quicken history — transactions, payees, and categories. Preview before you commit. PennyBolt catches missing transactions and skips duplicates automatically.
No cloud. No account. No server. Your financial data is a single encrypted file on your computer. Back it up anywhere. Nobody else sees a byte — not us, not advertisers, not data brokers.
Install PennyBolt on your Mac, Windows, or Linux machine. Free for 14 days.
Drag in your bank files or Quicken export. PennyBolt matches merchants, categorizes transactions, and detects duplicates.
Net worth, spending trends, flow charts, account registers — your complete financial picture, instantly.
PennyBolt works with what your bank already gives you — and with what your old finance app left behind.
Re-import safely anytime. Duplicates detected. Missing transactions flagged. Your data stays clean.
| 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 |
| Reporting | Basic charts | Sankey flows, trends, reconciliation |
| Your accounting | Basic categorization | Reconciliation, Sankey flows, smart matching |
If you need those things, other tools are better for you. If you want a finance app where your history is genuinely yours, forever, PennyBolt is built for you.
I spent 15 years tracking my finances in Quicken. When they pushed everything to the cloud and started charging monthly rent to see my own data, I built the tool I wished existed. PennyBolt is that tool — real accounting, real reporting, real ownership. No venture capital, no growth-at-all-costs, no enshittification roadmap. Just software that works.
Quicken charges you every year. Mint sold your data to advertisers, then shut down. YNAB tripled its price 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 14-day trial. Then $49.99 to own it. $29.99/yr for updates — optional, never required.
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