PennyWise AI - Expense Tracker is a finance app developed by underdog2035.
Download Statistics
PennyWise AI - Expense Tracker has been downloaded 2.1 thousand times. In the last 30 days, the app was downloaded 330 times.
User Ratings
The app has no ratings yet.
App Information
PennyWise AI - Expense Tracker is FREE to download. The APK download size is 22.50 MB. The latest version available is 2.16.0. The last update was on June 16, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play August 2025.
Description
PennyWise is a private expense tracker and budget app that turns your bank SMS into an automatic money timeline — powered by on-device AI. No manual entry, no accounts, no cloud.
Your bank already texts you every transaction. PennyWise reads those SMS locally and instantly tracks your spending, so expense tracking, budgeting, and money management happen with zero setup.
★ Why PennyWise • 100% on-device & private — AI runs locally, nothing leaves your phone • Zero setup — grant SMS permission and it works instantly, no sign-up • On-device AI assistant — ask "what did I spend on food?" (powered by Qwen 2.5) • 90+ banks across 16 countries, multi-currency • Smart analytics — spending trends, category breakdowns, insights • Budgets — set limits per category and track progress • Subscription detection — automatically finds recurring payments • Smart rules — auto-categorize transactions your way • Dark mode, no ads, no tracking • Open source (AGPL-3.0)
★ Expense tracking on autopilot PennyWise is the money manager for people who hate manual entry. Every bank SMS becomes a categorized transaction in a clean, searchable timeline — a spending tracker that's always up to date.
★ Private by design All AI processing happens on your device. No servers, no API calls, no data leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does.
★ Free, with optional Pro PennyWise is free to use. An optional PennyWise Pro upgrade unlocks power-user extras — unlimited custom rules, PDF statement imports, CSV export, and duplicate-account merge — and directly supports a solo developer building PennyWise independently.
Download PennyWise and turn your bank SMS into effortless, private expense tracking.
Recent changes: • Added support for Access Bank, Zenith Bank, and Keystone Bank (Nigeria) — SMS transactions from these banks are now parsed automatically • Added support for CRDB Bank (Tanzania), including Tanzanian Shilling (TZS) currency • Type-aware budgets: you can now create a budget that tracks a specific transaction type (e.g. all subscriptions or all transfers) instead of just a category
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Comments on PennyWise AI - Expense Tracker for Android
★★★★☆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.
★★★★☆Sai Tadepalli· Mar 19, 2026
Hey, I need a way to set an overall budget in the budget tab. Right now, I can only set budgets for individual categories. This would be super helpful because sometimes our category budgets change, but the overall budget stays the same.
★★★★★Jay· Aug 23, 2025
Coming from our small reddit community, can't wait to use it. All the best. Keep developing.
★★★★★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.
★☆☆☆☆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
Google Play Rankings for PennyWise AI - Expense Tracker
This app is not ranked
Technologies used by PennyWise AI - Expense Tracker
PennyWise AI - Expense Tracker is requesting 14 permissions and we don't have library information (yet).
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Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
