Help center
Last updated November 2, 2026 · penny.com
Start with the basics below, or contact support@penny.com. Describe the issue and the screen you were using; please leave passwords and sensitive bank information out of your message.
Get started
- Create an account or sign in.
- Upload a statement or use Add transactions to enter one expense or a whole list.
- Review categories and split purchases where needed.
- Open Reports to choose a chart, date range, category, or account.
Statement uploads
Download transaction activity from your bank’s desktop website, choose an account and date range, and select CSV, XLS, or XLSX where available. In Penny, match the date, description, and amount columns. Choose the correct date format and whether expenses are positive or negative. Inspect the preview before saving.
Upload one account and USD currency at a time. Exclude transfers and credit-card payments to avoid treating them as new spending. PDF files are not supported.
Where can I find download instructions?
Chase’s official Spending Planner guide explains desktop CSV availability. Capital One’s U.S. transaction-history guide explains where to view account activity. Download options vary by bank and account.
I don’t have a statement file.
Choose Add transactions. Enter dates, descriptions, amounts, and categories in the multi-row table. You can add rows or paste a list from a spreadsheet.
Where do flagged import rows go?
Import review retains invalid dates, missing descriptions, invalid amounts, opposite-sign amounts, and possible duplicates. Correct the values and import in one action, keep a legitimate duplicate separately, or exclude a non-expense. Imported purchases are already reviewed; unresolved saved rows stay available for later.
Shared expenses
Edit a transaction to enter a person and their share. In Reimbursements, record the amount and date when they repay you. Partial repayments reduce the remaining balance without counting the payment as income or subtracting your spending twice.
Account and storage
Profile & account lets you edit your name or change a password-based account’s password using the current password. Sign out ends your session. Records currently stay in the browser used to create them; use the same browser profile when returning.
More help
The How to use Penny button inside the app opens a short guide. For data-handling details, see our privacy policy.