PennyBolt

Your money. Your eyes only.

Personal finance that runs on your computer — not someone else's server.

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.

📊

See where your money goes.

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.

📥

Import everything. Lose nothing.

Drag in bank files, PDF statements, or your entire Quicken history — transactions, payees, and categories. Preview before you commit. PennyBolt catches missing transactions and skips duplicates automatically.

🔐

Your data stays yours.

No cloud. No account. No server. Your financial data is a single encrypted file on your computer. Back it up anywhere. Nobody else sees a byte — not us, not advertisers, not data brokers.

How it works

Download

Install PennyBolt on your Mac, Windows, or Linux machine. Free for 90 days.

Import

Drag in your bank files or Quicken export. PennyBolt matches merchants, categorizes transactions, and detects duplicates.

See everything

Net worth, spending trends, flow charts, account registers — your complete financial picture, instantly.

Import anything. Own everything.

PennyBolt works with what your bank already gives you — and with what your old finance app left behind.

📄 Bank downloads (OFX/QFX)

📑 PDF statements

🔄 Quicken data (QIF)

📊 Mint CSV exports

Re-import safely anytime. Duplicates detected. Missing transactions flagged. Your data stays clean.

What you get

Real tools. Not a dressed-up spreadsheet.

📊

Net worth dashboard

Assets, liabilities, and net worth at a glance. One screen, total clarity.

🌀

Sankey flow charts

Trace every dollar from income to spending category. See the full flow of your money.

⚖️

Bank reconciliation

Reconcile against your bank statement. Catch errors. Know your books are right.

🧠

Smart merchant matching

Your bank sends garbled names. PennyBolt turns them into real merchants, every time.

🏷️

Auto-categorization

Set a rule once. Every matching transaction — past, present, and future — follows it.

📁

One-file portability

Your entire history in a single file. Copy to a new computer in seconds.

See all features →

What actually makes it different

	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	Single-entry	True double-entry

Built for people who...

Don't trust financial aggregators with their data
Want their finances on their own machine
Are tired of apps that break when bank connections fail
Switched from Quicken and brought their whole history with them
Care about long-term ownership of their financial data

You shouldn't need a subscription to see your own money

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 90-day trial. Then $49.99 to own it. $29.99/yr for updates — optional, never required.

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