Last updated: June 10, 2026
PennySlice uses large language models (LLMs) to power features like AI Chat, Penny Spotter, Penny Pulse, smart categorization, and more. Every AI interaction — each message you send and each response you receive — requires real computing resources that cost us money. This policy ensures every user gets fair, reliable access to these features.
Throughout this policy, the following terms are used:
Each plan includes a monthly pool of AI tokens. Your allowance resets on the 1st of each month.
| Plan | Monthly Allowance |
|---|---|
| Track (Free) | 300,000 tokens |
| Insight | 3,000,000 tokens |
| Predict | 7,500,000 tokens |
When you join PennySlice, you can import up to 3 months of transaction history for free — these historical imports do not count against your monthly token allowance or your monthly row cap. This gives the AI enough context to understand your spending patterns from day one.
For example, if you sign up in June, you can import your March, April, and May bank statements at no cost to your monthly budget. Only transactions dated in the current calendar month (June onwards) count against your monthly allowance.
This onboarding benefit is available on all plans and can be used at any time — there is no deadline to import your history.
Your monthly token allowance is a single pool shared across all AI features. There are no separate limits per feature — you decide how to spend your tokens. Use more of one feature and less of another.
For example, on the Track plan you could use all 300,000 tokens on AI Chat (~110 messages), or balance your usage — 80 chat messages plus 1 CSV import (~200 rows) uses most of your allowance. Prefer smaller imports? Import a ~50 row file instead and you’ll have room for 95+ chat messages.
The examples below show estimated ongoing monthly usage after onboarding. Your free historical import is separate and does not reduce these numbers.
Track includes AI Chat and CSV Import (up to 200 current-month rows).
| Feature | Usage | Tokens |
|---|---|---|
| CSV Import | 1 file (~200 current-month rows) | 13,900 |
| AI Chat | 100 messages | 270,000 |
| Total | 283,900 (94.6%) |
Insight includes everything in Track, plus Penny Spotter (up to 2 analyses/week), Penny Pulse (3 sessions/month, 30-min each), Penny Reports (1 monthly), AI Receipt Scan (5/month), and all import formats including PDF, XLS, OFX, QBO, and QFX.
| Feature | Usage | Tokens |
|---|---|---|
| AI Chat | 950 messages | 2,565,000 |
| Penny Spotter | 8 analyses (2/week) | 22,400 |
| Penny Pulse | 3 sessions (~7 questions each) | 52,500 |
| File Import (3 CSV, 2 PDF) | 5 files (~1,000 rows) | 73,400 |
| AI Receipt Scan | 5 receipts | 7,500 |
| Penny Report | 1 monthly | 3,000 |
| Total | 2,723,800 (90.8%) |
The example above is just one way to use your 3,000,000 tokens. Since all features draw from the same pool, you can shift your usage however you like:
Heavy importer? Import 10 bank files (mix of CSV, PDF, OFX) and scan 5 receipts, and you’ll still have room for 700+ chat messages, all your Spotter analyses, and Pulse sessions.
Chat-first? Skip imports entirely and you’ll have over 1,050 AI chat messages to work with alongside your Spotter, Pulse, and Report allowance.
Automatic features like Penny Spotter (~22,400 tokens/month at 2/week) and Penny Report (~3,000 tokens) use less than 1% of your pool combined — they’ll never eat into your budget in any meaningful way.
Predict includes everything in Insight with unlimited Spotter (daily), unlimited Pulse, unlimited imports, unlimited receipt scans, and household sharing for up to 4 members. All household members share the same 7,500,000 token pool — usage by any member counts toward the household’s monthly allowance.
| Feature | Usage | Tokens |
|---|---|---|
| AI Chat | 2,280 messages | 6,156,000 |
| Penny Spotter | 30 analyses (daily) | 84,000 |
| Penny Pulse | 110 questions | 275,000 |
| File Import (8 CSV, 4 PDF, 3 OFX) | 15 files (~3,000 rows) | 163,050 |
| AI Receipt Scan | 30 receipts | 45,000 |
| Penny Report | 1 monthly | 3,000 |
| Total | 6,726,050 (89.7%) |
You can view your current token consumption at any time in Preferences > AI Usage. This shows your monthly usage breakdown by feature and how much of your allowance remains.
As you approach your monthly allowance, PennySlice will display a notification so you can manage your remaining usage. If you reach 100% of your allowance, AI-powered features will be paused until your allowance resets on the 1st of the following month.
You can upgrade your plan at any time for a higher token allowance. Your existing data, transactions, and settings are never affected — only AI-powered features are paused.
Important: AI and large language models are an actively advancing field. Infrastructure costs, model capabilities, and pricing may shift as the technology evolves. PennySlice reserves the right to update token limits, per-feature token costs, or the structure of this policy at any time. Affected users will be notified by email before any changes take effect.
We are committed to keeping our AI features accessible and fairly priced. Any changes will aim to reflect actual infrastructure costs and improvements in AI efficiency — not to restrict your usage unnecessarily.
If you have questions about this policy or believe your usage was limited in error, contact us at support@pennyslice.ai.