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Welcome to PennyBolt

What PennyBolt is, who it's for, and where to start.

Last updated: April 16, 2026

PennyBolt is a personal finance app that runs on your computer. Not on our servers. You buy it once and own it, the way you own a word processor. Your entire financial life lives in a single file you control.

What PennyBolt does

  • Keeps track of your accounts — checking, savings, credit cards, cash.
  • Imports transactions from your bank’s downloads (OFX/QFX), PDF statements, or exports from Quicken (QIF) or Mint (CSV).
  • Categorizes spending using rules you write once and that apply everywhere.
  • Reconciles against your bank statement so you know the numbers are right.
  • Shows you where your money goes — net worth, Sankey flow, monthly trends.
  • Saves everything to one file you can back up, move, or copy like any other file.

Who PennyBolt is for

You, if:

  • You don’t want your financial data on somebody else’s server.
  • You’d rather buy software once than rent it forever.
  • You’re tired of finance apps that break when a bank changes its API.
  • You’re migrating off Quicken and you want to bring your history with you.
  • You value quiet, serious software over loud, chatty software.

Who PennyBolt isn’t for yet

We’d rather be honest than oversell. PennyBolt v1 does not do these things:

  • Investment tracking. No brokerage accounts, no cost basis, no market prices. You can record investment accounts as plain asset accounts and update them by hand.
  • Bill pay. PennyBolt records what already happened. It doesn’t send payments.
  • Live bank sync. You import files you download yourself. No credential sharing, no aggregator.
  • Scheduled transactions. Not in v1.
  • A mobile app. Desktop only. Your file can live in a cloud folder if you want to view it on another computer.
  • Budgets. Not in v1. Reports show where your money is going; we don’t yet have a tool for planning where it should go.

If any of those are deal-breakers, we understand. Release notes is where we’ll announce them when they ship.

Where to go next