Use cases

End-to-end workflows that combine several features.

• A monthly money review with your AIOnce a month, ask your AI how last month went: money in and out, your top spending categories, what changed, your subscriptions and your budgets.
• Find your subscriptions and price increasesAsk your AI which subscriptions charge you, what each costs per year, which ones went up in price and which have stopped charging.
• Review what your AI changedA weekly check on your AI's work. List every change from the past 7 days with its reason, look closer at one, and undo what you disagree with.
• Teach Pennyweight how your money worksTell your AI what your merchants and payments mean, one ledger at a time, so it understands your business and your home. See what that does and doesn't change.
• Clean up a year of transactionsA freelancer's year of uncategorized transactions, sorted. Find what's left, make rules for repeat vendors, fix the rest in one pass, then check the year.
• Your year in spendingAsk your AI for a year of spending by category, quarter by quarter, see which categories grew, and check the same year in the web app's Spending report.
• Split a dinner bill and track who owes youPay for a shared dinner on your card, keep only your half in your restaurant spending, and track the half your friend owes you.
• Track a trip's spending in its own ledgerGive a trip its own ledger in the trip's currency, record cash there, count part of a charge from another account, and see the trip's cash flow.
• Run several businesses in one accountKeep each business in its own ledger inside one Pennyweight account, switch between them with your AI, and report on each one by name.
• Runway, burn and revenue trend for your businessAsk your AI for a founder dashboard on a business ledger to see cash on hand, monthly burn, runway, a monthly revenue trend and top expenses.
• A monthly routine for statement-only accountsOnce a month, hand your AI the statement for an account Pennyweight can't link. It adds what's new, skips what's already there, and you check the balance.
• Reconcile an account against a statementCheck that Pennyweight agrees with your bank statement's closing balance, find the gap when it doesn't, and fix a wrong opening balance.
• Add older history to a linked bank accountBring years of statements into a bank account you already linked, without counting the same transaction twice, then line it up with your bank's balance.
• Import years of history across many accountsHave your AI plan a large import across several accounts first, then bring each account in batch by batch, with a preview before anything is saved.