Download a statement from Chase, Bank of America or Wells Fargo, upload it, and Penny turns it into one budget the whole household reads. Your bank login stays with you. Penny asks before filing anything she is unsure of, and anyone in the house can edit or delete a row.
Free for 14 days, no card needed.
Penny: 03/05 is March 5 here, and DIRECT DEP is your pay.
Details,Posting Date,Description,Amount,Type,Balance,Check or Slip # DEBIT,03/03/2026,"SUPERMARKET #4471",-86.45,DEBIT_CARD,, CREDIT,03/05/2026,"EXAMPLE EMPLOYER DIRECT DEP",2450.00,ACH_CREDIT,, DEBIT,03/06/2026,"ONLINE TRANSFER TO RENT",-780.00,ACCT_XFER,,
In the ledger
Wells Fargo exports without a header row. Bank of America puts a summary block on top of its. Each layout below has a test file behind it, and where a layout could only be read about, the card says so.
Dates month-first, one signed Amount column with a leading minus, and a Balance column Chase leaves empty on most rows.
Built and tested against this bank's export format, from a published sample or a working importer.
A summary block (beginning balance, total credits, total debits) sits above the real header. Mitten finds the header underneath it instead of reading the summary as transactions.
Layout rebuilt from public documentation rather than a published sample.
No header row at all, just five columns of data with every amount in one signed column. Mitten works out which column is which from the rows themselves.
Layout rebuilt from public documentation rather than a published sample.
The combined statement, where amounts print unsigned and the section heading above them, deposits or withdrawals, says which way the money went.
Tested against a sample statement this bank publishes.
The consumer checking statement, with deposits and withdrawals in separate columns, a check number column, and dates printed month-first with no year on the row.
Tested against a sample statement this bank publishes.
The checking statement, where every amount prints positive and only the section heading above it says whether money came in or went out.
Layout rebuilt from public documentation rather than a published sample.
Bank not listed? Upload the statement anyway. Penny reads PDFs from most banks directly, and if yours does not go through, send it to support@mitten.money and we will look at it.
No partnership with any bank, and nothing here is certified or endorsed by one. Bank names belong to their owners. The rows in our test files are made up; no real customer statement is used.
A joint checking account for the mortgage and groceries, separate cards for everything else, and often a credit card balance one of you brought along. Mitten puts whatever you upload into one household, up to five members on one plan, and the debt planner lays out an avalanche or snowball payoff from the payments already in your transactions. How couples budget together and joint versus separate accounts are good places to start.
Bank-linking apps come up a lot here. The compare page sets out what they are good at, where they fall over, and what Mitten does instead.
Budgeting without bank sync
A household budget kept from statements you download yourself, in one short session a month, with no bank login.Joint or separate accounts?
One shared pot, two separate ones, or a joint account plus one each. Who each setup suits and how to run the hybrid.How couples budget together
The money conversation, a shared plan, and a weekly check-in that takes ten minutes.When a US app links to your bank, it usually goes through a data aggregator, a company that sits between the app and the bank and passes your transactions along. Plenty of households are fine with that.
The federal rules for that arrangement are still moving. The Consumer Financial Protection Bureau finalized a data-rights rule in 2024 and reopened it in 2025. A court then stayed its deadlines, and as of October 2026 the rule is still being reconsidered. JPMorgan Chase now charges the aggregator Plaid for access. A statement you download yourself sits outside all of that, and it is the only thing Mitten ever sees.
The CFPB finalizes its personal financial data rights rule (Section 1033): no fees for access, largest banks to comply by April 2026.
The CFPB opens a reconsideration of the rule, including fees and who may request data on a consumer's behalf.
Plaid agrees to pay JPMorgan Chase fees to access customers' banking data.
A federal court stays the rule's compliance deadlines.
The CFPB's regulatory agenda still lists the rule for reconsideration.
Up to 5 members, each with their own login, for $12/month or $89/year. The first 14 days are free, no card needed.
Shown in US dollars here. Checkout shows exactly what you will pay before you pay. See pricing
Free for 14 days, no card needed.
