Help center
Last updated November 9, 2026
Help with getting started, uploading statements, and managing your account.
Get started
- Open your invitation email to set your password, then sign in with your invited email address. New here? Join the waitlist.
- Choose Upload a statement or Enter transactions.
- Open Purchases → Review, check the details, then choose Confirm day. Confirmed purchases appear in Transactions and reports. Categories are optional.
- Open Overview to explore spending, or Owed to you to track shared expenses.
Statement uploads
- Download transaction activity from your bank as CSV, XLS, or XLSX.
- Upload one account at a time, using the currency selected in Settings. Choose a worksheet if prompted.
- Match the date, description, and amount columns. Check the date format and account/source label. Amounts must be positive expenses.
- Inspect Ready, Needs attention, and Excluded rows. Correct missing or invalid values and review possible duplicates. Keep positive purchases and exclude income, refunds, transfers, and credit-card payments.
- Import the ready purchases. Open Purchases → Review to check merchants, categories, and splits, then choose Confirm day.
Keep your original statements and compare them with your imported purchases for a complete record.
How does AI help?
When you import ready purchases, Gemini can help identify merchants from their descriptions. A loading indicator shows progress. Check the results before confirming a day. You can also edit merchant names yourself.
What happens to rows that need attention?
Ready purchases can be imported separately. Correct, exclude, or explicitly keep a legitimate duplicate in import review. Categories and merchant names can be reviewed after import.
I don’t have a statement file.
Choose Enter transactions to add expenses or paste a list from a spreadsheet. The source starts as Bank; change it to the account or payment method you used. Enter positive expense amounts in your selected currency.
Shared expenses
Open a purchase and record who owes you and their share. In Owed to you, record full or partial repayments with their dates. Repayments update the outstanding balance and preserve your spending history. Record each repayment after you receive it.
Accounts and cloud saves
Your saved workspace is linked to your account and loads when you sign in on another device. Open Account & help → Settings to change your name and choose the currency for your workspace. Change your password in Settings → Password by entering your current password. If you forget it, use Forgot password before signing in.
To close your account, open Settings → Account controls → Delete account. Enter your current password and type DELETE. This permanently removes your account and saved Penny data.
What if saving fails?
Keep the tab open and use Retry when your connection returns. Editing pauses while saving is blocked. Unsaved changes are held only in that tab and can be lost if you close or reload it. If another device has changed the workspace, Retry checks the saved version without overwriting it. Avoid editing the same workspace in multiple tabs at once.
Plans
Free covers manual expense tracking. Plus adds statement uploads and AI merchant identification at a planned $1 per month. Early access is free.
More help
Open Account & help → How to use Penny for an in-app guide. For account access or other problems, contact the person who invited you. Describe what happened without sharing passwords, account numbers, or unredacted statements. Read the privacy policy for data handling and the terms of use for using Penny.