PennyWise AI - Expense Tracker

PennyWise AI - Expense Tracker

Master Your Money, Privately

• Stop manual data entry. PennyWise transforms your bank SMS notifications into a seamless, categorized financial timeline using on-device AI.

• We believe your spending habits belong only to you, which is why our software operates entirely offline—no accounts, no cloud, no tracking.

Effortless Financial Clarity

• Zero Setup: Grant SMS access and your spending history is instantly populated.

• Automated Tracking: Every transaction notification is captured and organized automatically.

• Smart Analytics: Visualize spending trends, monitor categories, and set custom budgets with ease.

• Subscription Defense: Identify and manage recurring payments automatically.

Privacy Without Compromise

• On-Device Intelligence: Powered by Qwen 2.5, our AI assistant answers your financial questions while keeping your data confined to your handset.

• Absolute Secrecy: No servers, no data harvesting, and no account registrations.

• Full Transparency: Built as open-source software (AGPL-3.0), allowing you to verify our code at any time.

Built for the Modern User

• Global Compatibility: Supports over 90 banks across 16 countries with multi-currency functionality.

• Custom Intelligence: Use smart rules to categorize transactions exactly how you want.

• User-First Design: Enjoy a clean interface, dark mode, and a completely ad-free experience.

Choose Your Experience

• PennyWise is free to use and powerful enough for everyday needs.

• Unlock our Pro version to access PDF imports, CSV exports, unlimited custom rules, and account merging—all while directly supporting independent, ethical app development.

Download PennyWise today 

• Let your phone do the work for you.

• Take control of your finances without sacrificing your privacy.

FAQ

Q: Is it safe to grant the application access to my SMS messages?

A: Absolutely. PennyWise requires SMS access solely to parse your incoming bank transaction notifications and transform them into a categorized timeline. Because the app does not have internet access and runs locally, your sensitive SMS data never leaves your handset.

Q: How does the on-device AI process my financial data?

A: We utilize the Qwen 2.5 model embedded directly within the application. This allows the AI to perform complex analysis and answer your financial questions while keeping all processing confined to your phone’s processor, ensuring that your privacy is never compromised by external servers.

Q: What happens if I encounter a bank that is not supported?

A: PennyWise supports over 90 banks across 16 countries, but we are constantly expanding. If your specific notification format is not automatically recognized, you can use our smart rules feature to teach the app how to categorize those specific transactions exactly how you prefer.

Version History

v2.17.1——20 Jul 2026

Master your finances with PennyWise AI, the private, offline expense tracker. Automatically categorize bank SMS transactions with no tracking. Download the latest version of PennyWise AI - Expense Tracker to enjoy new features and updates immediately!

*2.17.1

Minor bug fixes and improvements. Install or update to the newest version to check it out!

*2.17.0

Minor bug fixes and improvements. Install or update to the newest version to check it out!

*2.16.0

Minor bug fixes and improvements. Install or update to the newest version to check it out!