Link your bank for automatic updates, or import your own exports — then let AI handle the tedious work and start asking questions about your money in plain English.
Log into your bank and export your transaction history as CSV, XLS, XLSX, OFX, QBO, QFX, or PDF.
Not sure how? PennySlice has step-by-step download guides for 30+ banks across Canada and the US. Most banks let you export from the Accounts or Statements page — the whole process takes under 2 minutes.
Drop your file into PennySlice. The AI detects the format, identifies column headers, and maps your data automatically — no column mapping, no templates.
Structured formats like OFX, QBO, and QFX are parsed instantly. CSV and PDF files use AI to detect the table structure. Every format then goes through AI-powered categorization.
Every transaction is categorized by AI on import. Review the results, correct anything that looks off, and confirm.
Three-tier categorization: your personal overrides take priority, then community consensus, then the AI model. Your corrections teach the system — not just for you, but for all users.
Ask anything in plain English. "How much did I spend on dining last month?" "Show me all transactions over $50." "Am I on track with my grocery budget?"
8 specialized AI engines cover transactions, accounts, categories, budgets, imports, receipts, predictions, and what-if scenarios. The AI answers with real numbers from your data — not generic advice.
Every correction feeds back into the system. The model gets smarter for everyone. Meanwhile, Penny Spotter runs in the background — watching for budget overruns, anomalies, and savings opportunities.
Community-powered intelligence: the more people use PennySlice, the less work any single person has to do. Proactive alerts surface problems before they cost you.
Whether you're a spreadsheet power user, an app hopper, or starting fresh — PennySlice meets you where you are.
The problem
Hours of manual cleanup every month. Formatting columns, fixing categories, building formulas before the data tells you anything useful.
With PennySlice
Drop your CSV into PennySlice. AI categorizes everything in seconds. Ask questions in plain English instead of writing VLOOKUP formulas.
The problem
Too much setup. Too many menus. Forced bank linking with no choice. Still needed manual work. Nothing stuck.
With PennySlice
Link your bank or import a file — your choice, no forced connections. Review AI categorization, start asking questions. The AI does the work the other apps made you do.
The problem
The effort always outweighs the insight. By the time you set everything up, you've lost motivation.
With PennySlice
Import once. PennySlice handles the rest. Penny Spotter watches your spending and alerts you to problems without you doing anything.
Four AI-powered features that go beyond categorization — predictions, scenarios, receipt scanning, and monthly reports.
Predicts what's coming
7 AI detectors scan your spending for budget overruns, anomalies, recurring cost creep, seasonal bills, and savings opportunities — before they become problems.
Your what-if engine
"Can I afford a $500 console next month?" Get answers grounded in your real income, budgets, and spending patterns — not generic advice.
Snap and split
Point your camera at a receipt. OCR reads every line item and auto-splits one Costco trip into groceries, clothing, and household — automatically.
Monthly intelligence, delivered
A narrative PDF with KPIs, top merchants, category breakdown, and month-over-month comparisons — generated by AI and delivered on the 1st of every month.
Link your bank via secure OAuth or import your own exports — either way, your login is never stored by us. You control what enters the system.
Bank passwords stored
Data sold to advertisers
Bank download guides
Bank linking uses secure OAuth — your login stays with your bank and is never stored by us
Personal information (names, emails, account numbers) never sent to AI
No data sold to advertisers — ever
Sign up for free and import your first bank statement. The AI handles the rest.
Free tier available. No credit card required.