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Rules, knowledge and profile: what your AI remembers

Last updated October 22, 2026

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Pennyweight keeps three things your AI can come back to in any conversation: rules, knowledge and your profile. Knowing which is which tells you what changes your categories and what doesn't.

If you're new, start with how Pennyweight works.

The three kinds of memory

  • Rules categorize transactions. Each rule belongs to one ledger and matches merchant names. A rule categorizes new transactions on its own: imported rows when the import is saved, transactions your AI adds without a category, and bank transactions when they're brought in at your next app open or AI call. Transactions you already have change only when your AI applies the rule as it creates it, or when you ask it to apply your rules. See who wins: you, your rules, or the bank.
  • Knowledge is notes about one ledger: facts you've told your AI, assumptions and things your AI has noticed. Knowledge never categorizes a transaction by itself. It tells your AI how your money works, and the most relevant entries come back with its transaction searches.
  • Your profile is about you, across every ledger: the voice you prefer, your general leanings, people your AI should know about, and a short free-form note. Your AI receives it each time it connects. If a connection can't open it, your AI says so; reconnect Pennyweight in your AI app. See your AI profile.

Pins: knowledge that is your decision

Every knowledge entry records who it came from and how sure it is. A note saved as yours, at full confidence, is a pin. Observations your AI records on its own are saved as its inferences, so they are never pins.

A pin on a merchant changes how Pennyweight treats that merchant in that ledger:

  • If your AI edits one of that merchant's transactions to a different category, Pennyweight stops the edit and your AI must check with you first.
  • A new rule that contradicts the pin is refused until you confirm.
  • When rules apply, they skip that merchant's transactions.

How to work with it

  1. Ask your AI what it has learned about a ledger. It reads that ledger's knowledge and rules.
  2. Tell your AI what to remember and which ledger it's about. If it's a firm decision, ask it to pin it.
  3. To change categories, ask for a rule or a recategorization. A note alone won't move anything. See apply your rules to transactions you already have.
  4. To read it in the web app, open Knowledge. It shows the assumptions, rules and notes of the ledger you have open, and marks which assumptions are yours. Switch ledgers to see another one.
  5. To review your profile, open Settings → AI personalization.
Try asking

What have you learned about how I categorize my business spending?

Try asking

Remember that Paper and Pixel Supply purchases are office supplies for my Studio business.

What you'll see

For the first prompt, your AI checks your business ledger. If nothing has been saved yet, it tells you it has no saved knowledge or rules there. It may describe how your existing business transactions are categorized instead.

For the second, your AI saves a note in your business ledger and confirms it. Your transactions stay as they are. If you want those purchases filed under a category, ask your AI to make a rule and apply it. For more ways to use knowledge, see teach Pennyweight how your money works.

Good to know

  • Knowledge stays in its ledger. A note in your business ledger doesn't apply to your household ledger. Your profile is the only memory shared across ledgers.
  • The web app shows knowledge but can't edit it. To add, pin, correct or remove a note, ask your AI.
  • Rules and knowledge share one record per ledger, with a size limit of about 350 KB. If a ledger reaches it, your AI can't save more there until you remove old notes or rules. Your profile doesn't count toward it.
  • New rules leave old transactions alone. A rule covers transactions that arrive after it exists. To recategorize the ones you already have, ask your AI to apply your rules. See a rule didn't apply.
  • You can take your knowledge with you. Your AI can export a ledger's knowledge as a JSON file. See export your data.
  • Your AI profile: what your AI knows about youYour profile tells your AI how to talk to you and who the people in your money are. See what it holds, when your AI reads it, and where to edit it.
  • Who wins: you, your rules, or the bankWhen you, a rule, an import and your bank each set a category on a transaction, a fixed order decides which one shows. Here is that order.
  • 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.
  • Rules belong to a ledgerEach rule lives in one ledger and only sorts that ledger's transactions. Here is how to put a rule in the right ledger and check what each ledger has.