Dry-run cross-account splits (Pro)
Reallocate historical transactions across multiple accounts with a full dry-run preview before anything touches your ledger. Every split rule shows exactly which transactions will move, the new totals per account, and the delta versus today — so you can approve, tweak, or discard with zero risk to your data. Preview every split before you apply it; nothing writes until you say go.
CryptoLegacy Vault — estate planning built in
The Vault stores your estate documents, crypto keys, and inheritance instructions with client-side AES-GCM envelope encryption — plaintext never leaves your device. 2-of-3 Shamir's Secret Sharing lets you split recovery across trusted people, dead-man-switch drills verify your heirs can actually recover the vault, and the estate bundle export produces an executor-ready package on demand.
Bank rules — set it once, it runs forever (Premium+)
Create simple if-this-then-that rules for your transactions — match by merchant, description, or amount, then auto-apply a category, note, or mark as subscription or bill. The rules engine runs automatically on every Plaid sync and CSV import, and you can apply to history with a dry-run preview that shows every transaction that would change before anything writes. Every batch apply is one-tap undoable.
Behavioral coaching — included on Free
Every Pennifi Personal account, including Free, ships with a real behavioral engine: daily micro-challenges, spending-anomaly alerts when a category jumps versus your baseline, and a daily digest that summarizes what moved yesterday. Nudges are opt-in per channel and never move money. Basic on Free · full engine on Premium+ — Premium adds AI-personalized nudge timing, cross-month pattern detection, savings quests, and share-with-partner streaks. How the coaching engine works →
Global by default — 18 locales, multi-currency
Pennifi Personal ships in 18 languages/locales (English variants, French, French-Canadian, Spanish, Spanish-Mexican, German, Italian, Portuguese, Dutch, Polish, Swedish, Norwegian, Danish, Finnish, Latvian, Lithuanian, Estonian). Accounts, transactions, income, subscriptions and assets each carry their own currency; live exchange rates convert to your home currency for dashboards, budgets and net worth. Bank connectivity spans 12,000+ institutions via Plaid across supported regions. The installable mobile PWA currently targets Pennifi Class; Personal is a mobile-optimized web app.