Your finances,
under control.

All your accounts, spending, and investments, automatically organized. Built for Chilean banks.

100% freeWorks offlinePrivate data

Track your spending

Know where every peso goes

Automatically categorize every transaction. Import PDF statements from 6 Chilean banks and let smart rules do the work.

AI and rule-based categorization
Automatic PDF import
Duplicate detection
Recent transactionsSee all
Spent this month
$847.320
$152,680 available
of $1,000,000
πŸ›’
Supermercado Lider
SUPERMERCADO
$45.890
Hoy
πŸ”
Uber Eats
DELIVERY
$12.500
Hoy
🍿
Netflix
ENTRETENCION
$6.500
Ayer
β›½
Copec
TRANSPORTE
$35.000
Ayer
β˜•
Cafe Altura
CAFE
$4.200
Lun

Cash Flow

Visualize your money flow

See how your spending breaks down by category. Spot forgotten subscriptions and optimize your monthly budget.

Spending by categoryAbril 2026
Supermercado
$245.000
Arriendo
$180.000
Transporte
$135.000
Restaurant
$98.000
Servicios
$85.000
Entretencion
$65.000
Otros
$39.320
Active subscriptions$43.980/mes
🎬
Netflix
1 Abr
$6.500
🎡
Spotify
1 Abr
$5.990
πŸ’ͺ
Gimnasio
5 Abr
$29.990
☁️
iCloud
8 Abr
$1.500

All your accounts

Your net worth on a single screen

Checking, savings, credit, investments. No jumping between 5 different apps.

Net worth
$6.957.200
+3.1%this month
Santander Vista
Corriente Β· Hace 2h
$1.245.600
+2.3%
Itau Visa
Credito Β· Hace 4h
-$328.400
BancoChile Ahorro
Ahorro Β· Hace 1h
$3.890.000
+1.8%
Fintual Risky
Inversion Β· Hace 30m
$2.150.000
+4.2%

And much more

Every feature designed to simplify your financial life.

PDF import

Upload statements from Santander, Itau, BancoChile, Falabella, Security.

Smart rules

Regex, contains, exact match. Auto-categorization that learns.

Savings goals

Set targets with dates. Track your progress in real time.

Detailed reports

Interactive charts, trends, and category drill-downs.

Investments

Stocks, mutual funds, crypto, and bonds in one place.

Subscriptions

Detect recurring charges and calculate your monthly spend.

Teams and roles

Share your finances with your team. Admin and viewer roles.

Offline PWA

Install it as an app. Add transactions without internet.

Telegram alerts

Transaction notifications and budget alerts.

Made for Chile

Compatible with your banks

Penso reads the exact PDF formats of the most-used banks in Chile. No manual setup.

Chilean pesos (CLP)
Dollars (USD)
Live exchange rate
Santander
Visa, MasterCard
Itau
Tarjeta de credito
BancoChile
Corriente, Credito
Falabella / CMR
Tarjeta de credito
Security
Tarjeta de credito
Bco. Security
Cuenta corriente

What our users say

β€œI can finally see where my money goes without filling out spreadsheets. Importing my statement is magic.”

Carolina M.
Business engineer

β€œThe automatic categorization is incredible. After setting up a few rules, everything classifies itself.”

Diego R.
Developer

β€œI use savings goals for my vacations. Watching the progress motivates me to spend less.”

Valentina S.
UX designer

Take control today

No credit card. No commitment. Start understanding your money in minutes.

Encrypted data Install as an app Set up in 2 min