Own your books again.
Import your entire Quicken, Mint, or bank history into a single file on your computer. Sankey reports. Bank reconciliation. Smart categorization. $79 once — not every month, forever.
Mac · Windows · Linux · No cloud · No Plaid · No subscription
Every other finance app wants your data on their servers, your credit card on file every month, and the power to lock you out whenever they feel like it. They raise prices. They kill features. They shut down and take your history with them.
Your entire financial history lives in a single file you control. Copy it. Back it up. Move it anywhere. Keep it forever. Desktop-first — this is where you sit down and actually think about money.
Sankey flow charts trace every dollar from income to category. Bar charts and trend analysis by week, month, or year. Reconcile against your bank statement. Spot problems before they compound.
Drag in bank files, PDF statements, or your entire Quicken history — transactions, payees, and categories. Start with this month and add older years whenever you want: PennyBolt takes statements in any order and keeps your balances right. Preview before you commit, and duplicates get skipped automatically.
No cloud. No account. No server. Your financial data is a single file on your computer — it never leaves your machine. Back it up anywhere. Nobody else sees a byte, because there is nobody else in the loop — not us, not advertisers, not data brokers.
Install PennyBolt on your Mac, Windows, or Linux machine. Free for 60 days — no card required.
Drag in your bank files or Quicken export. PennyBolt matches merchants, categorizes transactions, and detects duplicates.
Net worth, spending trends, flow charts, account registers — your complete financial picture, instantly.
PennyBolt works with what your bank already gives you — and with what your old finance app left behind.
Re-import safely anytime. Duplicates detected. Missing transactions flagged. Your data stays clean.
| Typical apps | PennyBolt | |
|---|---|---|
| Your data | On their servers | On your computer |
| Pricing | Monthly subscription | Buy once, own forever |
| If they shut down | Scramble to export | Nothing changes |
| Getting data in | Requires bank connection | Import files from your bank |
| Reporting | Basic charts | Sankey flows, trends, reconciliation |
| Your accounting | Basic categorization | Reconciliation, Sankey flows, smart matching |
Most people put off switching finance apps for one reason: the thought of sitting down and importing twenty years of history in a single evening. Skip it. Import this month, be balanced in ten minutes, and add the rest whenever you feel like it.
PennyBolt takes your statements in any order. Import this year tonight, decide in March that you want 2019 after all, and drop it in then — your balances stay correct the entire time, and the beginning of your books moves backward on its own as older history arrives.
It works the same way when life gets in the way. Miss a month, miss six; drag the files in when you're ready, and nothing breaks.
Ask any transaction where it came from, and PennyBolt tells you: which file it was imported from, the full path on your disk, when it arrived, and a fingerprint proving that file hasn't changed since. Typed it in by hand? It says so. Worked out by the engine? It says that too — and tells you why. Nothing in your books is a mystery, and nothing is unattributable.
And it will never invent a problem. When your account matches your bank, PennyBolt says nothing at all — no warning about a discrepancy that isn't there. When there is a real gap, it shows you the gap and helps you hunt down the transaction that's missing. What it will never do is offer to "accept an adjustment" — writing a made-up number into your books to make a warning go away. That isn't a convenience. It's how books quietly go wrong.
That's what reconciling is actually for: proving your books match reality, not decorating them until they look like they do.
We'd rather you find out here than after you've paid.
If you're on the second list, we'd rather you wait than buy something that disappoints you. Most of it is on the roadmap. None of it is here today.
I started tracking my money in Quicken for MS-DOS in the early 1990s. Thirty years later they had pushed everything to the cloud and were charging me monthly rent to look at my own financial history — so I built the tool I wished existed. PennyBolt is that tool: real accounting, real reporting, real ownership. No venture capital, no growth-at-all-costs, no enshittification roadmap. Just software that works.
Quicken charges you every year. Mint sold your data to advertisers, then shut down. YNAB tripled its price and told you to deal with it. PennyBolt is different — you buy it, you own it, and nobody else ever sees a dime or a data point.
Free 60-day trial. Then $79 to own it. $29.99/yr for updates — optional, never required.
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. Mac, Windows, and Linux, all at once.
No spam, ever. Unsubscribe anytime.
You're on the list. The download link comes to this address the day PennyBolt ships — and nothing else until then.
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