ThePennyTracker is a private, personal finance web app for individuals and households who want to be intentional about their money — without handing over their bank credentials to anyone.
Overview
Money
Planning
Insights
The Smith Household
Here's your financial snapshot.
Net Worth
$84,532
$92,100 assets · $7,568 debt
Income
$8,450
$8,000 planned · $8,450 received
Expenses
$4,022
$4,750 planned
Savings Assigned
$1,200
$1,500 planned · $0 spent
Available to Assign
$3,216
from prior months
Net Worth
Cash Flow
Income Pace
Spending Pace
Built for households that want real control over their finances — not just a dashboard to look at.
Set monthly budgets by category, track income and expenses, and see exactly where you stand at a glance.
Create savings funds, allocate your monthly surplus with our guided allocator, and track progress toward every goal.
Auto-detects recurring charges from your transactions — including the ones you forgot about. See every subscription, its cadence, and catch missed or changed charges.
Choose snowball or avalanche, set an extra monthly payment, and see your payoff order, your debt-free date, and exactly how much interest you'll save.
Model your mortgage payoff: extra monthly payments, one-time lump sums, and side-by-side scenarios — watch years and interest fall off your loan.
Get a written monthly review of your finances — where the money went, how you did against budget, and what's trending — generated from your own data.
One trip, multiple categories. Split a grocery run across Food, Household, and Kids — manually or let AI auto-split from a receipt photo.
Flag any expense as reimbursable and track who owes you. Record paybacks as they arrive — in full or in pieces — until every expense is settled.
Upload a CSV from any bank. AI auto-categorizes on first pass, and history remembers your edits so every future import is faster. No credentials, no connections.
Up and running in minutes. No setup headaches.
Add your accounts, set category budgets for the month, and define your savings goals.
Upload CSV exports from your bank, or enter transactions manually. Works with every bank.
Track budget performance, analyze spending patterns, and allocate your monthly surplus toward your goals.
AI That Learns
Manual entry doesn't mean tedious. Every correction you make teaches the app — so next month, it does more of the work for you.
Recognizes hundreds of common merchants instantly. Chick-Fil-A → Food > Restaurants, Shell → Car > Gas, Netflix → Bills > Subscriptions. You review, you don't re-type.
Snap a photo of your grocery receipt — AI reads every line item and splits the transaction across categories. Great for itemizing HSA or business expenses.
Categorize LA Fitness under Health & Wellness instead of Bills once — it remembers forever. Every future gym charge applies your preference automatically.
Savings Goals
Create savings funds for anything — emergency fund, vacation, home renovation, new car. Each month, the guided surplus allocator shows you exactly what's left after bills and helps you split it across your goals.
Savings
Track your goals and monthly surplus.
Amount withheld from savings:
$1,800
$20,550
Total Saved
$1,800
Monthly Goal
$3,216
Budget Surplus
$1,800
Assigned
$1,416
Available to Assign
$1,416 left to assign this month
Surplus from April ready to allocate
On Your Phone
Open thepennytracker.com in your phone's browser and the app adapts — a bottom tab bar, thumb-friendly screens, and a camera button for receipts. Snap a receipt at the checkout; it lands in your inbox, AI reads it, and it's ready to attach to the matching transaction when you're back at your desk.
9:41
Receipts
3 pendingCostco
$214.86 · Today
Shell
$48.20 · Today
Trader Joe's
$86.41 · Just now
Auto-sync apps make it easy to observe your money. But observing isn't the same as knowing it. When you import your own data, you engage with every transaction — and that engagement is what actually changes spending habits.
Every major bank lets you export a CSV. It takes about 60 seconds, any format works, and your credentials never leave your hands.
Auto-sync apps charge $14.99+ because they pay banks for connection services and pass the cost to you. We don't connect to your bank, so we can charge a fraction.
Everything Included
14-day free trial · Cancel anytime
By design. Auto-sync means handing your bank credentials to a third-party aggregator — and paying for the privilege. Importing a CSV takes about 60 seconds a month, your credentials stay with you, and that small moment of engagement is what actually changes spending habits.
Any bank that can export a CSV — which is virtually all of them. The importer maps any column layout, remembers it for next time, and AI categorizes the rest.
Your bank credentials never exist here — there's nothing to leak. Your financial data lives in your account, is used only to power your own dashboard and reviews, and we don't sell it. You can export your transactions anytime.
Yes — the full app runs in your phone's browser with a mobile layout and a camera button for snapping receipts. Add it to your home screen and it launches like an app. No app store needed.
Yes. Add household members, tag who spent what, split shared expenses across categories, and track reimbursements when someone owes you — all in one shared picture of your finances.
One plan, everything included: $5.99/month after a 14-day free trial. No tiers, no feature gates, cancel anytime.