The personal finance app for Chile: all your accounts, spending, and investments, automatically organized.
Track your spending
Automatically categorize every transaction. Import PDF statements from 5 Chilean banks and let smart rules do the work.
Cash Flow
See how your spending breaks down by category. Spot forgotten subscriptions and optimize your monthly budget.
All your accounts
Checking, savings, credit, investments. No jumping between 5 different apps.
Every feature designed to simplify your financial life.
Upload statements from Santander, Itaú, Banco de Chile, Falabella, Security.
Connect your bank and pull transactions automatically, no uploads.
Regex, contains, exact match. Auto-categorization that learns.
Ask "how much did I spend on restaurants?" and get an analysis.
Log expenses in Telegram in natural language: "uber 5400".
Set targets with dates. Track your progress in real time.
Interactive charts, trends, and category drill-downs.
Track your debts, installment purchases, and payment calendar.
Stocks, mutual funds, crypto, and bonds in one place.
Detect recurring charges and calculate your monthly spend.
Group expenses by trip and know what each one cost you.
Share your finances with your team. Admin and viewer roles.
Install it as an app. Add transactions without internet.
Alerts in-app and via Telegram: budgets at their limit, unusual spending, and installments ending.
Two-factor authentication and data isolated per space.
Made for Chile
Penso reads the exact PDF formats of the most-used banks in Chile. No manual setup.
FAQ
Penso is a personal finance app built for Chile. It brings all your bank accounts, spending, debts, and investments into one place and categorizes your transactions automatically.
Penso imports PDF statements from Banco Santander, Itaú, Banco de Chile, Banco Falabella, and Banco Security. It also syncs transactions automatically from Itaú, Banco de Chile, Falabella, and Security (Santander coming soon).
Download your statement as a PDF from your bank's website and upload it to Penso. The parser detects the bank and format automatically, extracts every transaction, skips duplicates, and categorizes them with your rules. If the format isn't recognized, an AI extractor processes it as a fallback.
Yes. Data travels encrypted over HTTPS and bank credentials are stored encrypted; your financial data is never sold or shared with third parties. You can also enable two-factor authentication (2FA) to protect your account.
No. Penso does not sell or share your financial data with third parties; it is free and its model does not depend on monetizing your information. The details are in the privacy policy.
Yes. Penso is free, requires no credit card, and you can start using it in minutes.
Penso is built for Chile: it reads PDF statements from Chilean banks, works in Chilean pesos (CLP), understands installment purchases, and detects local subscriptions. It is also free and works offline.
Yes. Penso is a PWA you can install as an app on iOS and Android straight from the browser, no app store needed. It works offline: transactions you add without a connection sync when you reconnect.
Yes. Penso imports transactions from CSV or Excel files and has a dedicated Money Manager migration that keeps your accounts and categories.
Yes. Penso includes a Telegram bot that understands natural language: type "uber 5400" and the expense is logged and categorized. You can also ask it for your balance by chat, and if you link the bot, Penso alerts you on Telegram when new transactions arrive and something looks off: exceeded budgets, spending above your average, or installments about to end.
Yes. Penso lets you share a space with other people and assign roles (owner, admin, editor, or viewer) to control who can view or edit.
Yes. Penso ships an official MCP (Model Context Protocol) connector: you authorize access with your account and can then ask Claude or ChatGPT about your spending, budgets, debts, and investments in natural language, and even log transactions with confirmation. You can revoke access anytime from settings.
Three things: it reads your bank statement when the format is not recognized (as a fallback to the per-bank parsers), suggests categories for your spending when none of your rules match, and generates natural-language analysis of your finances. The AI is a tool inside the app, not an autonomous advisor: it does not make decisions for you or move your money.
Access is yours and under your control: you authorize it with OAuth on a consent screen, it operates only on your own space, and irreversible operations require your explicit confirmation in the conversation. The connector never sees your bank passwords, and Penso does not sell or share your financial data.
From Penso, in Settings → Connectors: there you see every client you authorized and can revoke any of them in one click. A revoked connector loses its authorization and would have to ask for your consent again to reconnect.
It cannot see your bank passwords (no connector tool exposes them), cannot access other people's spaces, cannot delete data without your explicit confirmation, and cannot move your money: Penso is not a bank, does not hold funds, and does not execute payments or bank transfers.
No credit card. No commitment. Start understanding your money in minutes.