Since Mint shut down, millions of Americans are looking for a simple, privacy-first personal finance app. PennyRa fills that gap — no bank login required, no Plaid connection, no subscription needed to get started. Just download your bank statement CSV from Chase, Wells Fargo, Bank of America, or any US bank and upload it to PennyRa. Your transactions are categorized automatically, your budget goals are tracked in real time, and your financial data never leaves your control.
Free plan available · No bank login required
PennyRa never asks for your bank credentials. Download your CSV statement and upload it — your login stays yours.
Every bank in the world lets you export transactions as a CSV file. PennyRa auto-maps the columns and categorizes everything.
Up to 100 transactions per month and 3 accounts — completely free. No credit card, no trial that auto-charges.