Track and understand
Net worth dashboard
Assets, liabilities, and net worth — one screen, the moment you open the app. No digging through menus to find your bottom line.
Spending reports and flow visualization
Sankey flow charts show exactly where your money goes — income on the left, categories on the right, every dollar traced. Bar charts and trend analysis by week, month, or year let you spot patterns before they become problems.
Account register with reconciliation
Every account gets a full register with running balances. Reconcile against your bank statement to catch errors and know your books are right. Two-line display shows transaction details without clutter.
Net worth over time
Watch your trajectory, not just your balance. Assets vs. liabilities charted over time so you can see whether you’re gaining ground.
Import from anywhere
Bank file imports with drag-and-drop
Drop an OFX or QFX file onto the window. PennyBolt reads it instantly — no setup, no column mapping, no configuration. Drag one file or twenty.
PDF statement imports
Have a PDF statement from your bank or credit card? Drag it in. PennyBolt extracts the transactions automatically — no manual data entry, no copy-paste.
Quicken and Mint migration
Import your full Quicken history — transactions, payees, and categories — from QIF files. Your entire organizational structure comes with you. Mint CSV exports work too.
Import preview
See exactly what you’re getting before you commit. PennyBolt shows you a summary of accounts, transaction counts, and date ranges. Review first, import when you’re ready.
Missing transaction detection
PennyBolt compares your imported transactions against your bank’s reported balance. If something’s missing, you’ll know — not three months later when you’re trying to reconcile.
Trust Import
Imported 10 years of history? One click reconciles it all. Trust Import bulk-marks imported transactions as reconciled against your bank’s balance so you can start fresh without checking 10,000 boxes.
Make sense of the mess
Smart merchant matching
Your bank sends “FREDMEYER #1234 MARYSVILLE WA” — PennyBolt turns that into “Fred Meyer.” It recognizes merchants even when your bank butchers the name, strips store numbers, and groups variants together.
Auto-categorization
Set a rule once. Every matching transaction — past, present, and future — gets categorized automatically. PennyBolt’s rules engine learns your preferences and gets smarter with every import.
Multi-category payees
Amazon isn’t just “Shopping.” When you categorize an Amazon transaction as Electronics, PennyBolt remembers — and next time suggests Electronics, Groceries, and Clothing as options. One payee, multiple categories, no forced choice.
Split transactions
Costco run that was half groceries, half household supplies? Split it. Allocate amounts across categories so your reports reflect reality.
Check number tracking
PennyBolt stores check numbers alongside your transactions. Small detail, but when you need to find check #4219, you’ll be glad it’s there.
Full traceability
Original import data is preserved forever. See exactly what your bank sent, alongside your clean categorized view. Nothing gets lost or overwritten.
Own your data
One-file portability
Your entire financial history is a single file. Back it up to a USB drive, cloud storage, or an external hard drive. Copy it to a new computer in seconds. No migration wizard. No export dance. Just grab the file and go.
Backup and restore
Full database backup with one click. Or choose what to back up: accounts, categories, payees, rules — pick the subset you need. Restore just as easily. Your safety net, your way.
True double-entry accounting
Every transaction is a proper journal entry with balanced debits and credits. This isn’t a dressed-up spreadsheet — it’s real accounting that keeps your books mathematically honest. You’ll never notice it, but your data will be bulletproof because of it.
No cloud. No sync. No surprises.
Your data never touches a server. Not ours, not anyone’s. No account to create, no terms to accept, no privacy policy to worry about. PennyBolt is a program on your computer that reads a file on your computer. That’s it.
Built for daily use
Manual transaction entry
Add transactions by hand right in the register. New row at the top, tab through the fields, done. Works alongside imports — use whichever method fits your workflow.
Resizable two-line register
Each transaction can show two lines of detail. Drag column borders to resize. Preferences are saved per account — your checking register layout stays separate from your credit card layout.
Keyboard shortcuts
Navigate with j/k, create new transactions with keyboard shortcuts, jump between accounts without touching the mouse. The interface stays out of your way.
Light and dark themes
Full light and dark mode with one-click toggle. Your preference is saved and restored every time you open the app.
Settings and preferences
Global defaults plus per-user overrides. Customize the experience without editing config files.
What’s next
We’re actively building. Here’s what’s coming:
- CSV import — configurable column mapping for any bank CSV export
- Transfer auto-detection — matching transfers between accounts suggested during import