See your full picture
Net worth dashboard
See your complete financial picture — assets, liabilities, and net worth — the moment you open the app. One screen, total clarity.
Net worth tracking
Watch your assets vs liabilities over time. Understand your trajectory, not just your balance.
Spending reports & trends
Category breakdowns, spending trends, and merchant analysis. See where your money actually goes — by week, month, or year.
Account register
Track running balances per account. Reconcile against your bank statement with confidence.
Import from anywhere
Bank file imports
Drop in an OFX, QFX, or CSV file from your bank’s website. PennyBolt reads it instantly — no setup, no configuration.
PDF statement imports
Have a PDF statement from your bank? PennyBolt extracts the transactions automatically. No manual data entry.
Easy Quicken & Mint migration
Direct conversion from Quicken and Mint data. Your entire financial history comes with you — accounts, categories, transactions, all of it.
Make sense of the mess
Smart merchant matching
Your bank sends “FREDMEYER #1234 MARYSVILLE WA” — PennyBolt turns that into “Fred Meyer.” It recognizes merchants even when your bank butchers the name.
Auto-categorization
Set a rule once and every matching transaction gets categorized automatically — past, present, and future. PennyBolt learns your preferences and gets smarter over time.
Full traceability
Original import data is preserved forever. See exactly what your bank sent, alongside your clean categorized view. Nothing gets lost or overwritten.
Own your data
One-file portability
Your entire financial history is a single file. Back it up to a USB drive, Dropbox, or wherever you want. Copy it to a new computer in seconds. No migration wizard. No export dance.
Multi-currency ready
Handles transactions in any currency your bank throws at it. No plugins, no add-ons.
As much automation as you want
Want PennyBolt to handle everything automatically? Done. Prefer to categorize manually? Also done. You set the dial — from fully hands-off to fully hands-on.
Learn at your pace
PennyBolt University
Tutorials, walkthroughs, and sample scenarios — so you can master your finances without reading a manual. Coming to pennybolt.com.