6 AI-powered features, multi-format import, optional bank linking, budgets, splits, and household sharing. Here's how each one works.
The features that make PennySlice unlike any other expense tracker.
Your AI doesn't just answer — it acts
Say "add $45 for groceries at Costco" and it creates the transaction. Say "rename my savings account" and it's done. 8 specialized AI engines handle transactions, accounts, categories, budgets, and imports — no menus, no forms.
"Add $120 for electric bill" — creates a transaction, auto-categorizes
"Split my last Costco trip: $80 groceries, $40 household" — splits in place
"Create a new category called Pet Expenses" — done in one message
"Update my checking account name to Joint Checking" — instant rename
"Import my TD Bank CSV" — kicks off the import flow via chat
Context-aware responses grounded in your actual data
Predicts what's coming before it costs you
7 AI detectors scan your spending patterns for anomalies, predictions, and savings opportunities. Penny spots what you'd miss — before it becomes a problem.
Budget pace alerts — flags overspending mid-month, not after
Category anomaly detection — catches unusual spikes vs your 3-month average
Recurring cost creep — spots subscription price increases you didn't notice
Seasonal expense predictions — reminds you of annual bills before they hit
Savings opportunities — surfaces spending habits that add up over a year
Income change alerts — warns when surplus will tighten
Merchant concentration — flags when one retailer dominates your spending
Check the pulse on any financial decision
Your what-if engine. Ask "Can I afford a $500 console next month?" and get an answer grounded in your real income, budgets, and spending — not a guess.
Answers grounded in your actual financial data, not generic advice
Follow-up naturally — "what if I cut dining by 30%?"
30-minute sessions for complex planning scenarios
Considers your budget limits, income patterns, and spending trends
Monthly spending intelligence, delivered as PDF
A narrative recap with KPIs, top merchants, category breakdown, and month-over-month comparison — generated by AI and delivered on the 1st as a branded PDF.
KPI strip: total spent, income, net, savings rate
Category donut chart + vs-last-month comparison bars
Top merchants breakdown with spend amounts
AI-written narrative paragraph summarizing your month
Downloadable branded PDF — auto-delivered on the 1st
Snap a receipt, split automatically
Point your camera at a receipt and OCR reads every line item. One Costco trip gets split across groceries, household, and electronics — automatically.
Reads individual line items, not just the total
Auto-splits across multiple categories from a single purchase
Edit any split in a tap
Powered by PaddleOCR + AI categorization
The foundation that powers everything — from import to insight.
Every transaction sorted into the right category
AI categorizes your transactions on import. When you correct one, the system learns — not just for you, but for everyone.
3-tier categorization: your overrides → community consensus → AI
Community learning — corrections from all users improve accuracy for everyone
Pattern normalization strips noise from merchant names automatically
Unknown merchants go to a review queue, never miscategorized silently
Drop your bank file, AI detects the format
CSV, XLS, XLSX, OFX, QBO, QFX, and PDF — PennySlice reads them all. Step-by-step download guides for 100+ banks across Canada, the US, the UK, and the EU.
AI-powered structure detection — no column mapping or templates needed
PDF parsing uses AI to identify transaction tables within the document
OFX/QBO/QFX skip structure detection entirely — fastest import path
Free onboarding: import 3 months of history at no cost to your token budget
100+ bank download guides with step-by-step instructions
Set limits, track pace, stay on target
Set spending limits per category and track your progress through the month. Budget pace alerts (via Penny Spotter) flag overspending before the month ends.
Per-category spending limits with real-time progress tracking
Copy budgets forward to the next month with one click
Pace tracking shows where you'll land if spending continues at the current rate
Integrates with Penny Spotter for proactive budget alerts
One purchase, multiple categories
Split a single transaction across multiple categories. That Costco trip isn't just "shopping" — it's groceries, household supplies, and electronics.
Split any transaction into as many categories as you need
AI Receipt Scan auto-splits from line items on paid plans
Manual splits available on all plans
Each split tracks its own amount and category independently
Manage finances together
Share your PennySlice account with up to 4 family members. Everyone shares the same transaction data, budgets, and AI token pool.
Up to 4 household members on a single Predict subscription
Shared transactions, categories, budgets, and spending insights
All members share the same 7.5M monthly AI token pool
Each member has their own login and preferences