Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
About PennyWise: SMS Expense Tracker
PennyWise: SMS Expense Tracker is a finance app developed by underdog2035.
Download Statistics
PennyWise: SMS Expense Tracker has been downloaded 2.8 thousand times. In the last 30 days, the app was downloaded 400 times.
User Ratings
The app has no ratings yet.
App Information
PennyWise: SMS Expense Tracker is FREE to download. The APK download size is 22.72 MB. The latest version available is 2.17.1. The last update was on July 19, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play August 2025.
Description
Your bank already texts you every transaction. PennyWise reads those SMS on your phone and turns them into an automatic expense tracker — no manual entry, no sign-up, nothing uploaded.
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Comments on PennyWise: SMS Expense Tracker for Android
★★★★★Blazzing Hearts· Dec 30, 2025
You know what man ? it's an absolute fire app. The ui is great because why will we need a fancy resource hogging ui. Next thing great use of AI models and really great because of its on device processing with low resources. Kudos to you for making a dream come True. Somethings are good untouched just fix some bugs (if their any) , optimize the app (if u can otherwise I don't see any need) , and please don't shutdown this project I tried to download this from f Droid but IDK mine was slow.
★★★★★Jay· Aug 23, 2025
Coming from our small reddit community, can't wait to use it. All the best. Keep developing.
★★★★☆Muhammad Fassil· Mar 31, 2026
Great app actually need some more improvements to make it awesome!!! Pros: * Clean and AD free no pops nothing just clean. * Privacy through localizing the expense data and reading sms. * Graph of individual categories. Cons : * Not reading the UPI lite since sms won't be received only notification from Gpay, Phonepe which is not captured. * Credit card spent is not repesentesed properly. * If there is repeated payment for same category same account it not auto recognize that we have to manual.
★★★★☆S Y· Feb 11, 2026
Best privacy focused expenses tracking app on play store. And best part is its ads free... Just one request that please for transfers provide a To account and from account details to enter and debit from to and deposit to from account and also an option to edit and account as credit card or bank.
★☆☆☆☆Manan Gupta· Apr 7, 2026
Bad experience not able to identify merchant name also AI model takes too much space useless model it can't don anything are you using AI model to parse sms?
★☆☆☆☆Chintan Trivedi· Mar 5, 2026
Not able to read sms only previous sms are read
★☆☆☆☆Nathan Parrott· Jun 11, 2026
When I add a bank account there's no option to make it a different currency than INR. Even if I have my default currency in settings set to USD, it'll still add the bank as inr then convert the amount into USD
Google Play Rankings for PennyWise: SMS Expense Tracker
This app is not ranked
Technologies used by PennyWise: SMS Expense Tracker
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