How-to

Step-by-step guides for everyday tasks in Pennyweight.

• Connect a US bank or cardAsk your AI for a bank link, finish the connection in your browser through Plaid, and your US bank or card accounts start syncing on their own.
• Connect a bank from your phoneOn a phone, the bank link sends your browser straight to Plaid's own page, then brings you back to Pennyweight to pull in your transactions.
• Add a manual accountTrack cash, a car, a house or an account Pennyweight can't link. Ask your AI to add it with the balance it holds today.
• Track a credit card or loan you can't linkAdd a card or loan Pennyweight can't sync by telling your AI what you owe, as a positive number. Pennyweight stores it as a negative balance.
• See your accounts and balancesAsk your AI for every account and its balance, or just your cash. Learn how signs, currencies and IOUs show up in the answer.
• Set or correct an opening balanceGive an account the balance it had before its first recorded transaction, fix a wrong one, or clear it. Your AI does it in one step.
• See APR, credit limit and payment due datesAsk your AI for a linked card's APR, credit limit, due date or statement balance. Most of these details need Card & loan details turned on for the bank.
• View investment holdings and gainsAsk your AI what you hold in a linked brokerage account, what it's worth and your gains, once Investment details is turned on for that bank.
• Disconnect a bank vs delete an accountDisconnect a bank to stop syncing and keep its history, or delete its accounts to erase them and their transactions. Both happen in Settings.
• Import a PDF or screenshot statementGive your AI a PDF statement or a screenshot of your banking app. It reads the transactions and adds them to an account after you approve a preview.
• Import a CSV exportTurn a CSV from your bank or another app into transactions in one account. Your AI reads the file, shows a preview, and saves on your yes.
• Import a statement from your phoneSend your AI a photo, screenshot or PDF of a statement from your phone. It reads the transactions and adds them to an account after you approve a preview.
• Find and fix duplicate transactionsAsk your AI to look for transactions recorded twice, see what it suggests for each pair, and fix only the ones you approve.
• Undo an importRemove every transaction from an import that went wrong. Your AI previews the batch first, and removed transactions can be restored for 30 days.
• Export transactions or the audit logAsk your AI for a CSV or JSON file of your transactions or your audit log. The download link lasts about 2 minutes, so open it right away.
• Full backup and restoreAsk your AI for a full backup of your Pennyweight account as one JSON file, and learn how to restore that file later.
• Jump to the right web page from your AIAsk your AI for a link to billing, security, AI connections, reports or another Pennyweight web page, and open it in one click.
• Ask about any transactionAsk your AI to find transactions by date, merchant, amount, category, tag or account, and to open any one of them in full detail.
• Find out why a transaction has its categoryAsk your AI why a transaction has its category. See every category it has had, who set each one, the reason given, and which one shows.
• Change a transaction's categoryAsk your AI to move one transaction to a different category. Your choice is saved as your own decision, and rules never overwrite it.
• Recategorize many transactions at onceAsk your AI to move every matching transaction to a new category in one pass. Preview what changes, confirm, and the result counts as your decision.
• Move a transaction to a different ledgerPennyweight can't move a transaction between ledgers. Re-enter it in the right ledger's account and delete the original, or split it.
• Create a categorization ruleTell your AI once which category a merchant belongs in. It saves a rule that sorts that merchant's new transactions, and can sort existing ones too.
• Apply your rules to transactions you already haveYour rules sort new transactions as they arrive. To sort the ones already in your ledger, ask your AI to apply your rules, check the preview, then confirm.
• Test, edit, turn off or delete a ruleCheck how many transactions a rule matches before you apply it, then change its pattern or category, turn it off, or delete it.
• When two rules match the same merchantIf two of your rules match the same charges with different categories, the rule created first wins. Here is how to spot the clash and pick the winner.
• Tag transactions and add notesAsk your AI to tag transactions so you can find and total them later, or add a note to one transaction so you remember what it was.
• Clean up a merchant nameAsk your AI to replace a messy bank descriptor with a clean merchant name on a transaction, and learn what the new name changes.
• Split one charge across categoriesAsk your AI to split one charge into pieces with their own categories, so category reports and budgets count each piece where it belongs.
• Track money you lent or borrowedAsk your AI to record money you lent to or borrowed from a person, track each repayment, and see at a glance who owes whom.
• Record cash or a missing transactionAsk your AI to add a transaction by hand, such as cash you spent or a charge missing from a card, with the right sign and category.
• Correct a manual entry's amount or dateAsk your AI to fix the amount, date or currency of a transaction you added or imported. It stays the same transaction, corrected in place.
• Delete a transaction and restore it within 30 daysAsk your AI to delete a transaction you don't want. It leaves every balance and report at once, and you can bring it back for 30 days.
• Link the two sides of a transferPair the money leaving one of your accounts with the money arriving in another, so a transfer stays out of your spending and reads as one movement.
• Match a refund to its purchaseLink a refund to the purchase it came from, so your spending shows what you actually paid after a full or partial refund.
• Create a ledger for a business or projectAdd a ledger for a business, a trip or a project so its accounts and transactions stay apart from your household money.
• Delete a ledgerDelete a ledger and everything in it from Settings in the web app. Your default ledger can't be deleted, and a live bank connection blocks the delete.
• Get any report by asking your AIAsk your AI for any spending report, such as top merchants, category totals by month or spending by account, built from your own transactions.
• Use the built-in web reports and export them to CSVOpen Cash flow, Spending, Income and Net worth in the web app for the ledger you're in, pick a date range, and download any of them as a CSV file.
• See income vs expenses over timeAsk your AI for a cash flow report on a ledger, with money in, money out and the net for each day, week, month, quarter or year.
• Check your net worthAsk your AI for your net worth today, what you own minus what you owe, and see which accounts make it up. Learn what it counts and what it can't show.
• Set a monthly budgetAsk your AI to cap a category for the month, then check how much you've spent and how much is left. Here is how budgets count your spending.
• Roll unspent budget into this monthAsk your AI to carry last month's unspent budget into this month, so this month's cap grows by what you didn't spend. Here is how the carry works.
• Save toward a goalAsk your AI to set a savings goal with a target amount and date, tag the money you set aside, and check whether you're on track.
• Pause, resume or delete a budgetAsk your AI to pause a budget for a while, turn it back on, change it, or delete it for good. Here is what each one does to the budget.
• Manage and revoke AI accessSee every AI connected to your Pennyweight account, revoke any of them from Settings, and remove Pennyweight from Claude or Gemini as well.
• Set up an alert for large charges, low balances or budgetsAsk your AI to watch for a large charge, a low account balance or a budget nearing its cap. Here is when Pennyweight checks alerts and how you hear about them.
• Report a problem or request a feature from your AITell your AI something broke, or that you want Pennyweight to do more. You see a scrubbed preview first, and nothing is sent until you approve it.