PennyBolt
One-time purchase. Not a subscription.
- Full app — Mac, Windows, and Linux
- Free 60-day trial — the whole app, no card required. After it, buy to keep adding new data; your file stays readable and exportable forever
- Unlimited accounts and transactions
- Import OFX and QFX from any bank that exports them — plus PDF statements from Bank of America, First Tech, and Synchrony
- Quicken migration — transactions, payees, and categories
- Smart categorization and merchant matching
- Sankey flow charts, spending reports, trend analysis
- Bank reconciliation and Trust Import
- Full backup and restore
- Net worth dashboard and trend analysis
Not available to download yet — leave your email and you'll be first to know.
Life gets busy. Your books don’t break.
Fall behind for a month, or six. PennyBolt takes your statements in any order, so catching up costs you nothing but the time to drag the files in — no rebuilding, no starting over, and no penalty for having stopped. The software you bought doesn’t punish you for having a life.
Optional: extend updates — another year, $29
This section is about what happens after you’ve bought PennyBolt. Your $79 purchase includes twelve months of updates. After that, you can extend updates by another year whenever you like — $29, dated from the day you pay. It is not a subscription: nothing renews automatically, and there is nothing to cancel.
A year of updates gets you:
- New features and improvements as they ship
- New import format support as banks change
When your update year ends:
- PennyBolt keeps working exactly as it did — forever
- Your data stays accessible forever
- No features get locked or removed
- Extend again whenever you like; everything released in the meantime is included
Frequently asked questions
What happens after the 60-day trial?
You can purchase PennyBolt for $79 to keep using it. If you decide not to, your data file is still yours — you can open it, read it, and export everything, forever. What stops is adding new accounts and new data until you buy.
How does that compare to a Quicken subscription over ten years?
Worse for Quicken than most people expect, and we did the arithmetic in public rather than asserting it: a Quicken alternative without a subscription puts both costs side by side, including our own optional update years.
Do I need to keep paying for updates?
No. PennyBolt works without them, permanently. An update year gets you new features and improvements as they ship, but nothing you already have ever stops working.
Do I get version 2?
If a new major version ships while your updates are active, it’s yours — and it stays yours forever, even after they end. If it ships after your update year ended, extending updates ($29) gets you it, along with everything else released in between. Either way, the version you have keeps working untouched.
Can I use PennyBolt on multiple computers?
Yes. Your license covers you, not a specific machine. Install it on your Mac at home and your Windows laptop at work — same file, same data.
What if PennyBolt shuts down?
Your data is a local file on your computer. It doesn’t depend on our servers. Even without PennyBolt the company, your financial history is still yours.
System requirements
- macOS 12 (Monterey) or later
- Windows 10 or later
- Linux — Ubuntu 22.04+, Fedora 38+, or equivalent
- 200 MB disk space (plus your data file)
- No internet connection required after installation
PennyBolt isn't finished yet.
I'm still building it — one person, no investors, no rush to ship something half-right with your money in it. Leave your email and you'll get the download link the day it's ready, before it goes anywhere else.
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