Using PennyBolt

The everyday work: transactions, rules, reconciliation, reports.

The pages in this section cover the work you do with PennyBolt on an ongoing basis: recording transactions, teaching PennyBolt how to categorize them, reconciling with your bank each month, and reading the reports.

If you’ve just finished Your first ten minutes , this is where you’d head next.

Pages in this section

• Add, edit, and split a transaction — the register, end to end.
• Write a payee rule — set a rule once; every matching transaction, past and future, follows it.
• Reconcile an account — agree with your bank, down to the penny, once a month.
• Reports — net worth, Sankey flow, spending trends.

A suggested rhythm

Most PennyBolt users settle into a simple cadence:

• Weekly (ten minutes): import the latest bank download, let PennyBolt auto-categorize, fix anything that looks wrong, add a rule if the same merchant showed up uncategorized.
• Monthly (twenty minutes): reconcile each account against its statement. Glance at the Sankey chart.
• Quarterly (thirty minutes): look at spending trends. Decide if any category needs more attention.

None of this is required. PennyBolt holds still until you’re ready.

• Add, edit, and split a transaction

  The transaction register, end to end.

• Write a payee rule

  Set a rule once; every matching transaction follows it.

• Reconcile an account

  Agree with your bank, down to the penny, once a month.

• Reports

  See where your money goes.