Transactions
Penny taxonomy
The normalized transaction types Penny receives and how they differ from household categories.
Penny taxonomy is a read-only transaction classification, such as
FOOD_AND_DRINK_GROCERIES or LOAN_PAYMENTS_CREDIT_CARD_PAYMENT. It is separate
from the categories you create for reports.
| Penny taxonomy | Household category | |
|---|---|---|
| Set by | Penny from connected-account data | You or a rule |
| Editable | No | Yes |
| Examples | FOOD_AND_DRINK_COFFEE, TRANSFER_OUT_WIRE | ☕ Coffee, 🏖️ Vacation, 💼 Business income |
| Purpose | Identify the transaction type | Organize household reports |
How it works
Penny normalizes the classifications that account providers supply into one taxonomy, so rules work the same across connection methods. A transaction shows None when its source didn't provide a reliable classification; manual transactions normally have none.
To see a transaction's taxonomy, turn on Settings → Preferences → Advanced Transaction Details. You can use taxonomy values as conditions in rules. New values aren't added to existing rules automatically.
Taxonomy reference
Each value contains a family and a detailed type.
| Family | Detailed taxonomy values | Commonly identifies |
|---|---|---|
| Rent & Utilities | RENT_AND_UTILITIES_RENTRENT_AND_UTILITIES_GAS_AND_ELECTRICITYRENT_AND_UTILITIES_INTERNET_AND_CABLERENT_AND_UTILITIES_SEWAGE_AND_WASTE_MANAGEMENTRENT_AND_UTILITIES_TELEPHONERENT_AND_UTILITIES_WATERRENT_AND_UTILITIES_OTHER_UTILITIES | Rent and recurring household services |
| Transportation | TRANSPORTATION_GASTRANSPORTATION_PUBLIC_TRANSITTRANSPORTATION_TAXIS_AND_RIDE_SHARESTRANSPORTATION_TOLLSTRANSPORTATION_PARKINGTRANSPORTATION_OTHER_TRANSPORTATION | Everyday transportation costs other than vehicle services and loan payments |
| Food & Drink | FOOD_AND_DRINK_RESTAURANTFOOD_AND_DRINK_FAST_FOODFOOD_AND_DRINK_COFFEEFOOD_AND_DRINK_GROCERIESFOOD_AND_DRINK_BEER_WINE_AND_LIQUORFOOD_AND_DRINK_OTHER_FOOD_AND_DRINK | Restaurants, groceries, drinks, and prepared food |
| Medical | MEDICAL_DENTAL_CAREMEDICAL_EYE_CAREMEDICAL_PRIMARY_CAREMEDICAL_PHARMACIES_AND_SUPPLEMENTSMEDICAL_VETERINARY_SERVICESMEDICAL_NURSING_CAREMEDICAL_OTHER_MEDICAL | Human and veterinary care, prescriptions, and related services |
| Entertainment | ENTERTAINMENT_TV_AND_MOVIESENTERTAINMENT_VIDEO_GAMESENTERTAINMENT_SPORTING_EVENTS_AMUSEMENT_PARKS_AND_MUSEUMSENTERTAINMENT_MUSIC_AND_AUDIOENTERTAINMENT_CASINOS_AND_GAMBLINGENTERTAINMENT_OTHER_ENTERTAINMENT | Media, games, attractions, events, and gambling |
| Travel | TRAVEL_FLIGHTSTRAVEL_LODGINGTRAVEL_RENTAL_CARSTRAVEL_OTHER_TRAVEL | Airfare, hotels, rental vehicles, and other trip costs |
| General Merchandise | GENERAL_MERCHANDISE_PET_SUPPLIESGENERAL_MERCHANDISE_CLOTHING_AND_ACCESSORIESGENERAL_MERCHANDISE_ONLINE_MARKETPLACESGENERAL_MERCHANDISE_DEPARTMENT_STORESGENERAL_MERCHANDISE_DISCOUNT_STORESGENERAL_MERCHANDISE_SPORTING_GOODSGENERAL_MERCHANDISE_ELECTRONICSGENERAL_MERCHANDISE_BOOKSTORES_AND_NEWSSTANDSGENERAL_MERCHANDISE_GIFTS_AND_NOVELTIESGENERAL_MERCHANDISE_OFFICE_SUPPLIESGENERAL_MERCHANDISE_TOBACCO_AND_VAPEGENERAL_MERCHANDISE_SUPERSTORESGENERAL_MERCHANDISE_CONVENIENCE_STORESGENERAL_MERCHANDISE_OTHER_GENERAL_MERCHANDISE | Retail purchases, grouped by the kind of store or merchandise |
| Personal Care | PERSONAL_CARE_HAIR_AND_BEAUTYPERSONAL_CARE_GYMS_AND_FITNESS_CENTERSPERSONAL_CARE_LAUNDRY_AND_DRY_CLEANINGPERSONAL_CARE_OTHER_PERSONAL_CARE | Beauty, fitness, laundry, and related personal services |
| Income | INCOME_SALARYINCOME_CONTRACTORINCOME_GIG_ECONOMYINCOME_MILITARYINCOME_DIVIDENDSINCOME_INTEREST_EARNEDINCOME_RETIREMENT_PENSIONINCOME_TAX_REFUNDINCOME_UNEMPLOYMENTINCOME_LONG_TERM_DISABILITYINCOME_CHILD_SUPPORTINCOME_RENTALINCOME_OTHER | Earnings, benefits, investment income, refunds, and other incoming money |
| Transfer In | TRANSFER_IN_DEPOSITTRANSFER_IN_INVESTMENT_AND_RETIREMENT_FUNDSTRANSFER_IN_SAVINGSTRANSFER_IN_ACCOUNT_TRANSFERTRANSFER_IN_WIRETRANSFER_IN_TRANSFER_IN_FROM_APPSTRANSFER_IN_OTHER_TRANSFER_IN | Money moving into an account without necessarily being income |
| Transfer Out | TRANSFER_OUT_WITHDRAWALTRANSFER_OUT_INVESTMENT_AND_RETIREMENT_FUNDSTRANSFER_OUT_SAVINGSTRANSFER_OUT_ACCOUNT_TRANSFERTRANSFER_OUT_WIRETRANSFER_OUT_CRYPTOTRANSFER_OUT_TRANSFER_OUT_FROM_APPSTRANSFER_OUT_OTHER_TRANSFER_OUT | Money moving out of an account without necessarily being spending |
| Loan Disbursements | LOAN_DISBURSEMENTS_AUTOLOAN_DISBURSEMENTS_CASH_ADVANCESLOAN_DISBURSEMENTS_EWALOAN_DISBURSEMENTS_MORTGAGELOAN_DISBURSEMENTS_PERSONALLOAN_DISBURSEMENTS_STUDENTLOAN_DISBURSEMENTS_OTHER_DISBURSEMENT | Loan proceeds and advances received; EWA means earned wage access |
| Loan Payments | LOAN_PAYMENTS_CREDIT_CARD_PAYMENTLOAN_PAYMENTS_CAR_PAYMENTLOAN_PAYMENTS_MORTGAGE_PAYMENTLOAN_PAYMENTS_STUDENT_LOAN_PAYMENTLOAN_PAYMENTS_PERSONAL_LOAN_PAYMENTLOAN_PAYMENTS_BNPLLOAN_PAYMENTS_CASH_ADVANCESLOAN_PAYMENTS_EWALOAN_PAYMENTS_OTHER_PAYMENT | Payments toward cards, mortgages, vehicle, student, personal, BNPL, and advance balances |
| Bank Fees | BANK_FEES_ATM_FEESBANK_FEES_FOREIGN_TRANSACTION_FEESBANK_FEES_INSUFFICIENT_FUNDSBANK_FEES_INTEREST_CHARGEBANK_FEES_OVERDRAFT_FEESBANK_FEES_LATE_FEESBANK_FEES_CASH_ADVANCEBANK_FEES_OTHER_BANK_FEES | Fees and interest charged by financial institutions |
| Government & Non-Profit | GOVERNMENT_AND_NON_PROFIT_DONATIONSGOVERNMENT_AND_NON_PROFIT_TAX_PAYMENTGOVERNMENT_AND_NON_PROFIT_GOVERNMENT_DEPARTMENTS_AND_AGENCIESGOVERNMENT_AND_NON_PROFIT_OTHER_GOVERNMENT_AND_NON_PROFIT | Donations, tax payments, and government transactions |
| Home Improvement | HOME_IMPROVEMENT_FURNITUREHOME_IMPROVEMENT_HARDWAREHOME_IMPROVEMENT_REPAIR_AND_MAINTENANCEHOME_IMPROVEMENT_OTHER_HOME_IMPROVEMENT | Furniture, materials, repairs, and home services |
| General Services | GENERAL_SERVICES_ACCOUNTING_AND_FINANCIAL_PLANNINGGENERAL_SERVICES_AUTOMOTIVEGENERAL_SERVICES_CHILDCAREGENERAL_SERVICES_CONSULTING_AND_LEGALGENERAL_SERVICES_EDUCATIONGENERAL_SERVICES_INSURANCEGENERAL_SERVICES_POSTAGE_AND_SHIPPINGGENERAL_SERVICES_STORAGEGENERAL_SERVICES_OTHER_GENERAL_SERVICES | Professional, vehicle, family, education, insurance, shipping, and storage services |
When a value looks wrong
Set the household category you want, then contact us with the transaction name, account, date, and taxonomy shown.
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