Merchant organization
Penny identifies merchants from statement descriptions. If a name is missing, link it to a saved merchant or create one. Your choice is saved for future imports.
Invite-only early access
Personal finances,
Personal finances,
organized.
Track spending, match refunds to purchases, and manage shared expenses. Start with a bank statement or add purchases yourself.
All features are free during early access.
Understand your spending
Compare spending by category, merchant, or date. Select a chart to see the transactions included in each total.
OverviewIllustrative example
MY SPENDING$1,420.0032 purchases · 1 refund
Oct 2026Everyday essentials$740.00
Food & coffee$420.00
Travel$260.00
Behind the numbers33 records
Shared expenses
Split a purchase across categories, record what each person owes, and track repayments without counting them as spending again.
Desktop and mobile
Sign in to your saved purchases, categories, and merchant choices on desktop or mobile.
How it works
Add transactions
Upload a CSV or Excel statement and check its columns and duplicates. You can also enter purchases individually or paste a list.
Review purchases and credits
Confirm one day or import all purchases at once. Credits stay in Review so you can match refunds and keep payments and transfers out of spending.
Explore spending
Filter by category, merchant, or date to inspect your spending. Open the transaction list for details, and clear selections to reset a chart.
Account for refunds
Link a full or partial refund to a previous purchase. A $10 refund on a $100 purchase reduces its net cost to $90.
The purchase and refund remain recorded separately. Review payments and transfers without including them in spending.
AmazonIllustrative example
Original purchase$100.00
Linked refund−$10.00
Net cost$90.00
Both original bank records stay intact.
Pricing
All current features are free during invite-only early access. Planned pricing is shown below. Billing is not available yet.
$0 / month
Enter your expenses yourself and see where your money goes.
- Add expenses individually or paste a list
- Organize expenses with categories and splits
- Explore spending by category and merchant
- Track shared expenses and repayments
$1 / month
Import bank statements with merchant identification and duplicate checks.
- Everything in Free
- Upload CSV or Excel statements
- AI-assisted merchant identification
- Check duplicates before import
- Confirm purchases by day or all at once
Request early access
Join the waitlist to receive an invitation when access is available.
Join the waitlist