Built for people who want real control — not just a spending log. Every feature is designed to save you time and show you the full picture.
Add as many transactions as you need — no caps, no tiers. Every purchase, income, and transfer belongs in your history. Import in bulk via CSV, add manually, or let your rules engine handle categorization automatically.
Set monthly category budgets and watch a color-coded health widget tell you exactly where you stand. Green means you're on track. Amber is a nudge. Red is a signal to act. No spreadsheet needed.
Slice your spending any way you want — last 30 days, this quarter, a custom range. Charts break down spending by category so you can spot patterns, understand trends, and make smarter decisions with real data.
List every subscription, bill, and regular income source in one place. Mark each as paid with a single click and keep a running tally of what's due. Never miss a payment or wonder if Netflix already charged you.
A single charge often covers multiple categories — groceries and household goods in one supermarket trip. Split any transaction across as many categories as you need, with custom amounts and notes per split line.
Build rules that match on payee, amount, account, or any combination — then set an automatic action: categorize, rename, set a status, or apply a tag. Penny Point applies rules the moment a matching transaction arrives.
Add accounts in any currency — USD, EUR, GBP, JPY, and 27 more. Every amount is displayed with the correct symbol. Your dashboard groups balances by currency so you always see the full picture across all accounts.
Bring in transactions from any bank or app that exports CSV. Push your data back out whenever you want — for your accountant, a spreadsheet, or just peace of mind. Your data is always yours.
Log assets (savings, investments, property) and liabilities (loans, credit balances) in one view. Watch your net worth trend over time as a single number that tells the full story of your financial health.
Start your 30-day free trial today. No credit card required.
Start Free Trial →