PennyWise: SMS Expense Tracker is a finance app developed by underdog2035.
How many times has PennyWise: SMS Expense Tracker been downloaded?
PennyWise: SMS Expense Tracker has been downloaded 3.1 thousand times. In the last 30 days, the app was downloaded 470 times.
What is the rating of PennyWise: SMS Expense Tracker?
PennyWise: SMS Expense Tracker has no ratings yet.
Is PennyWise: SMS Expense Tracker free?
PennyWise: SMS Expense Tracker is free to download. The APK download size is 22.73 MB. The latest version available is 2.19.0. The last update was on August 23, 2026.
What are the requirements for PennyWise: SMS Expense Tracker?
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.
★ Why PennyWise asks for SMS permission Reading bank SMS is how the app works — it is the entire product. Everything happens on your device: no server ever receives a message, there is no account to create, and the complete source code is public (AGPL-3.0) so anyone can verify exactly what it does. Would rather not grant it? You can still add transactions by hand or import a PDF statement.
★ Automatic expense tracking • Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction • 141 banks and payment services across 23 countries, with multi-currency support • Works with any UPI app — it reads your bank's SMS, not the app • A clean, searchable spending timeline that stays up to date on its own
★ Budgets and insights • Set monthly budgets per category and watch progress as you spend • Spending trends, category breakdowns and month-on-month comparisons • Automatic subscription detection — finds the recurring payments you forgot about • Smart rules to auto-categorize transactions your way
★ On-device AI assistant Ask "what did I spend on food last month?" and get a real answer. The AI model (Qwen 2.5) runs locally on your phone — no API calls, no cloud, works offline.
★ Private by design • No account, no login, no email required • No ads, no trackers, no analytics on your financial data • Nothing leaves your device • Open source (AGPL-3.0) — read the code yourself
★ Free, with optional Pro PennyWise is free to use. An optional Pro upgrade adds unlimited custom rules, PDF statement imports, CSV export and duplicate-account merge — and directly supports a solo developer building PennyWise independently.
A money manager, budget planner and spending tracker in one — for people who hate typing in expenses.
Recent changes: • Recurring transactions — schedule any manual or cash transaction to repeat automatically on your chosen cadence • Transactions is now a permanent bottom-nav tab, so your full history is always one tap away • Tag expenses inline from the notification quick-picker without opening the app • Added Pluxee India meal-card parser — Pluxee SMS messages are now parsed automatically • Added Banque Saudi Fransi (BSF) parser — BSF transactions are now parsed automatically
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Comments on PennyWise: SMS Expense Tracker for Android
★★★★☆Madhura Warde· Jul 3, 2026
Awesome app. But it would be better if it can allow user to select custom month start date. It defaults to first day of calendar month but some people get salary on fixed date each month, so it should allow custom start date for budget tracking
★★★★☆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.
★☆☆☆☆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
★☆☆☆☆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?
★☆☆☆☆subhojit saha· Aug 29, 2026
Not good. Axio is better. Treats own account transfer and investment as expense. Smart rules are not helping much. Axio is more intuitive
★☆☆☆☆Chintan Trivedi· Mar 5, 2026
Not able to read sms only previous sms are read
Google Play Rankings for PennyWise: SMS Expense Tracker
This app is not ranked
Technologies used by PennyWise: SMS Expense Tracker
14 permissions
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