Fix your data before it lands.

Steps that run while a feed syncs, before anything is written. There are 16 types in four groups: Transform sets fields, Guard decides which rows land, Watch notifies without changing data, and AI & learning fills what is still empty.

A ruleset is a list of "when these conditions match, set this field" rules: when the description contains UBER, set Category to Transport. Conditions support nested AND/OR, regex and is-any-of lists, and rules run in the order you drag them.

By stage: Guards first, then Memory, lookup tables, your rulesets, then AI for what is still empty, and finally the watchers, which read the final records without changing them. Your drag order only sets the sequence within a stage.

Yes. A Filter keeps matching records out, a Duplicate Screen flags look-alikes, the Transfer Matcher pairs money moving between your own accounts, and a Split replaces one record with several that add up exactly. Live Preview strikes through every row that would be excluded.

Feed Monitor watches for feeds that stop syncing, Budget for thresholds crossed, Recurring Registry for subscription changes, Fee Ledger for fee creep, Anomaly Detector for spikes and new merchants, and Digest emails a summary. All re-check hourly, so they fire between syncs.

The AI Categorizer fills categories your rules and Memory left empty; Merchant Cleanup turns raw descriptors into merchant names. Anything below your confidence threshold goes to the Review Queue. Both are included on Professional and above and do not use Ask Penny credits.

The inbox for AI suggestions below your confidence threshold. Each item shows the record, the suggested value and the confidence; accept, edit or reject it. Accepting teaches Memory, rejecting suppresses that value for the pattern.

Email, Slack (incoming-webhook URL) and webhooks that post JSON to your endpoint. A cooldown stops repeats, and webhook URLs are masked in API responses.

Yes. Every feed has a Live Preview that runs real records through the pipeline without writing anything: changed cells highlighted, excluded rows struck through, split children indented, alerts marked "would fire". The Enrichments tab shows how many records each one matched.

Yes. Scope each enrichment to chosen feeds or all of them, from its Dependencies tab or the feed’s Enrichments subtab. That is how personal and business accounts get different rules, or each client a different threshold.

Free and Starter: Ruleset, Alert, Memory, Filter, Feed Monitor. Standard adds Lookup Table, Split, Transfer Matcher, Duplicate Screen, Budget, Recurring Registry, Fee Ledger, Anomaly Detector and Digest. Professional and above add the AI types. A workspace holds up to 100 enrichments.

No. A failing enrichment is skipped and reported in the job summary; if the AI model is slow or down, records sync without the AI fill. Regex patterns are safety-checked when you save.