Your data, your choice

Talk to your expenses.

Link your bank or import your own data — let AI categorize, split, and answer your questions in plain English.

Start for free

30-day free trial · No credit card required · Cancel anytime

app.pennyslice.com/penny
Manage expenses by talking — add, split, rename, organize
8 AI engines · transactions, accounts, categories & more
Tell PennySlice what to do...
Your AI acts, not just answers
No data sold — ever
The problem

Sound familiar?

Every expense app makes you choose between control and convenience. We don't.

Manual transaction cleanup

Hours spent fixing categories your bank got wrong, renaming cryptic merchant codes, correcting split amounts. AI should handle this, not you.

Single-category limits

One Costco trip is not just 'shopping.' It's groceries, clothing, and household supplies. Your tracker should know the difference.

All-or-nothing tracking

Most apps force you to link a bank before you can do anything — and never show you the login. You should choose how your data comes in — connect a bank or import a file — on your terms.

No future visibility

Expense trackers show you where your money went. They never tell you where it's going. By the time you spot overspending, the damage is done.

Read our story
How it works

From bank statement to insight in minutes

Five steps. Link your bank or import a file — your choice.

01

Connect or import

Link your bank for automatic updates (OAuth — your login stays with your bank, we never store it) or export your transactions as CSV, XLS, XLSX, OFX, QBO, QFX, or PDF and drop the file in. Your choice, your rhythm.

02

Import

Drop your file into PennySlice. The AI detects the format automatically. No setup, no column mapping, no templates.

03

Review

AI categorizes every transaction. Review the results, fix anything that looks off, and confirm.

04

Talk

Ask anything in plain English. "How much did I spend on dining last month?" "Show me all transactions over $50." The AI answers with real numbers from your data.

05

Learn

Every correction you make feeds back into PennySlice. The model gets smarter for everyone. The more people use it, the better it gets.

Learn more about how it works
Features

Everything you need, nothing you don't

Two new AI features make PennySlice unlike anything else — plus everything you'd expect from a great expense tracker.

Conversational AI — your AI acts, not just answers

Say "add $45 for groceries at Costco" and it creates the transaction. 8 AI engines handle transactions, accounts, categories, budgets, and imports — no menus, no forms.

Conversational AIactions
Add $45 for groceries at Costco
Done — $45.00 added to Groceries.
Rename my savings to Emergency Fund
Updated — 'Emergency Fund'. 42 txns moved.

Penny Spotter — predicts what's coming

7 AI detectors predict overspending, anomalies, silent cost creep, seasonal bills, and savings you're missing. Click any prediction to ask Penny "why?"

Penny Spottertoday
Shopping over by $303at pace
Groceries +45%vs avg
Save $61/mooverlap subs

Penny Pulse — your what-if engine

"Can I afford a $500 console next month?" Answers grounded in your real income, budgets, and spending. Follow up naturally: "what if I cut dining by 30%?"

Penny Pulsewhat-if
Can I afford a $500 console?
Yes — $850/mo surplus, ~$350 left after.
What if I cut dining 20%?
+$84/mo → hit it in ~3 weeks.

Penny Reports

A narrative recap with KPIs, top merchants, and a branded PDF on the 1st.

May
Net saved+$612
Top merchantCostco
vs April−4%

AI Receipt Scan

Snap a receipt and OCR reads every line item, then splits across categories automatically.

Costco Wholesale$214.83
Groceries$120.30
Clothing$51.55
Household$42.98

AI categorization

Every transaction sorted into the right category automatically — it learns from your edits.

STARBUCKS #441Coffee98%
UBER *TRIPTransport96%
NETFLIX.COMSubscriptions99%

AI Imports

CSV, XLS, XLSX, OFX, QBO, QFX, PDF — AI detects the format. Download guides for 30+ banks.

CSVXLSXLSXOFXQBOQFXPDF

iOS & Android

Coming soon

Native mobile apps for iPhone and Android — track expenses, chat with your data, and scan receipts on the go.

Explore all features
Privacy by default

You choose how your data flows in.

Link your bank via OAuth — your login stays with your bank, we never store it — or import your own exports. Either way, we never sell your data and we never show you ads.

OAuth
bank linking — your login stays with your bank
0
data selling
30+
bank guides + direct linking (US · Canada)
3
privacy regulations met
Learn more about privacy & security
Pricing

Simple pricing, powerful AI

30-day free trial on paid plans. Track is free forever.

Price Lock Guarantee — your signup price never increases
Loading plans…

AI features are subject to our Fair AI Usage Policy.

See full plan details

Start tracking your expenses today

Link your bank or import your statements — let AI handle the rest. Free tier available, no credit card required.

30-day free trial on paid plans · Cancel anytime

FAQ

Questions? Answers.

Two ways to connect. Direct bank linking (paid tiers) supports 10,000+ institutions across the US and Canada via Plaid — just log in at your bank's own site and we sync automatically. For import, any bank that lets you export transactions works — we have step-by-step guides for 30+ banks including RBC, TD, Scotiabank, BMO, CIBC, Chase, and more. CSV, XLS, XLSX, OFX, QBO, QFX, and PDF are all supported. The AI detects the format automatically, no column mapping needed.
PennySlice uses a three-tier categorization system: your personal corrections take priority, then community consensus, then the AI model. When 3+ users agree on a pattern, it becomes a community learning. If 3+ users later conflict with an existing learning, it gets updated automatically. This means categorization data stays accurate and current as spending patterns evolve. The more people use PennySlice, the less work anyone has to do.
Yes, and almost no one else does this. A $200 Costco receipt can become $120 groceries, $50 clothing, and $30 household supplies. Do it manually or let AI handle it with receipt scanning on the Predict plan.

Penny Spotter is PennySlice's proactive spending intelligence. It runs 7 detectors in the background, watching for budget overruns before they happen, flagging silent cost creep, predicting upcoming bills, and spotting savings opportunities. You get alerts without having to ask. Think of it as the awareness you'd have if you reviewed every transaction every day, without actually doing it.

Penny Pulse is your what-if engine. Ask questions like "Can I afford a $500 purchase next month?" or "What if I cut dining by 20%?" and Pulse answers using your real income, spending, and budget data. It's scenario exploration grounded in your actual finances, not generic advice.

Both are available on the Predict plan.

No — linking is optional. Connect your bank for automatic updates (OAuth, so your login stays with your bank and we never store it) or import your own exports — CSV, XLS, XLSX, OFX, QBO, QFX, or PDF — at your own pace. You can mix both, switch anytime, or revoke bank access from your account settings or directly at your bank.
Never. We don't sell, trade, or share your financial data with advertisers or third parties for marketing. Our revenue comes from subscriptions, not your data. When you link a bank, we use Plaid (a disclosed data processor) to handle the secure OAuth connection — your login is entered at your bank's own website, and we receive only a revocable read token. We never store your bank password.
PennySlice is built as a RAG system. Most of your data is processed by PennySlice's internal intelligence engine, which handles parsing, categorization, and predictions using what it has already learned from the community. We don't send all or even most of your transactions to the LLM. Only when the engine encounters something it hasn't seen before does it send a limited, stripped-down data snippet for processing. No personal information is ever sent. Every new learning makes the internal engine smarter, which means less data goes to the LLM over time, not more.
RAG stands for Retrieval-Augmented Generation. In a typical AI app, every request gets sent to a large language model for processing. In a RAG system, the app builds its own knowledge base first and only reaches out to the LLM when it needs to. PennySlice's intelligence engine stores categorization patterns, merchant mappings, and spending insights learned from every user's corrections. When you import transactions, the engine handles what it already knows and only asks the LLM about genuinely new patterns. This means faster processing, less external data exposure, and an AI that gets more self-sufficient the more people use it.
Yes. The Track plan is free forever, no credit card required. It includes CSV import, AI categorization, limited access to 8 chat engines, monthly budgets, and full transaction history. When you're ready for proactive intelligence like Penny Spotter and Penny Pulse, paid plans start at an affordable price/mo with a 30-day free trial.
Yes. The Predict plan supports household sharing with up to 4 members, shared budgets, and shared accounts. Everyone sees the same data and can chat with the AI independently.
Yes to both. You can export your transactions history anytime. You can also delete your account and all associated data permanently from your settings. Your data is yours, and you can take it with you or remove it whenever you want.
Yes, with no penalties or hidden fees. Upgrades take effect immediately. Downgrades keep your current plan features until the billing period ends. You can cancel anytime from your account settings.
No. PennySlice offers a Price Lock Guarantee — the price you sign up at is locked for as long as you remain subscribed and PennySlice is publicly operating. If we raise prices in the future, existing subscribers keep their original rate. No surprises, no silent increases. The guarantee does not apply if PennySlice ceases operations.

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