Mint has over 100 different ways to categorize a single transaction. That makes for an incredibly flexible system if you're willing to put in the leg work, but at the end of the day I wasn't seeing a lot of value add from knowing that 24% of my spending was on travel or that I exceeded my average monthly spending on gifts by 215%. The biggest benefit for me was just seeing all of my transactions in one place (fwiw, I used Mint for 6 years).

With Penny, you have fast access to all of your transactions in one place (the left pane is a history screen), and you can categorize them into one of five categories. But, the main value add is giving you context on that spending. Graphs are great, but graphs that are interpreted in a meaningful way are better. Essentially, the bigger vision is to do for finances what Google Now is doing for day to day life: pushing you useful information (now cards, or in our case conversations with Penny) rather than you having to ask for it.

That said, we know it's a huge ask to convince people to try something new when it comes to their finances, so totally understand where you're coming from.

btw, to clarify: when you go to the website you should be seeing animations unless you're coming from iOS 7. If that's not the case, lmk and I'll figure out what's going on.