PennyWise AI
• Added support for Dhanlaxmi Bank (India) and CIB Egypt
• IDFC First Bank now supports multi-currency transactions
• New full resync feature to reprocess all your SMS messages
• Improved accuracy for Dhanlaxmi Bank UPI transaction parsing
• Bug fixes and stability improvements
Automatically extracts transaction data from bank SMS messages using pattern-based parsing. Works 100% offline - no internet connection required.
Automatic expense tracking from bank SMS with clean categories, subscription detection, and clear insights.
Key Features:
• Pattern-Based SMS Parsing - Uses regex patterns to extract transactions from 20+ banks
• 100% Offline Core Features - Transaction parsing, analytics, and exports work without internet
• Optional AI Chat - Download Qwen 2.5 model (1.5GB, Apache 2.0) for natural language queries
• Clear Analytics - Charts and insights to see spending patterns
• Subscription Tracking - Detects and monitors recurring payments
• Auto-Categorization - Clean merchant names and intelligent categories
• Data Export - Export as CSV or PDF for records and taxes
• Material You Design - Clean interface with dynamic theming
Currently Supported Banks (20+):
• HDFC, SBI, ICICI, Axis, PNB, IDBI
• Indian Bank, Federal Bank, Karnataka Bank
• Canara Bank, Bank of Baroda, Union Bank
• Kotak, IndusInd, IDFC First, Central Bank
• Utkarsh, HSBC, Jio Payments Bank
• Jupiter, Slice, and payment gateways like Juspay
• More banks being added regularly!
Privacy & Security:
• No internet required for core functionality (SMS parsing, analytics, exports)
• Pattern-based transaction extraction - no AI needed for parsing
• Optional AI chat uses on-device Qwen 2.5 model (Apache 2.0 licensed)
• SMS permission is read-only - we never send messages
• No user accounts or cloud sync required
• Open source - audit the code yourself on GitHub
• Zero data collection or tracking
How It Works:
1. Grant SMS permission (read-only access)
2. App automatically parses bank SMS using regex patterns
3. View categorized transactions, analytics, and subscriptions
4. Optionally download AI model for chat features
Perfect for:
• Automatic daily expense tracking
• Understanding spending patterns and budgeting
• Managing subscription payments
• Financial planning and analysis
• Maintaining detailed transaction records
Technical Notes:
• Core SMS parsing uses regex patterns, not AI
• Optional Qwen 2.5 model (Apache 2.0) for chat feature only
• F-Droid flavor excludes all proprietary dependencies
PennyWise respects your privacy while helping you take control of your finances. Join thousands of users who trust PennyWise for secure, automatic expense tracking without compromising their data.
- Author: Sarim
- License: MIT License
- Issue Tracker
- Source Code
- Changelog
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Versions
Although APK downloads are available below to give you the choice, you should be aware that by installing that way you will not receive update notifications and it's a less secure way to download. We recommend that you install the F-Droid client and use that.
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arm64-v8aarmeabi-v7aThis version requires Android 11 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 50 MiB PGP Signature | Build Log
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arm64-v8aarmeabi-v7aThis version requires Android 11 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 50 MiB PGP Signature | Build Log
-
arm64-v8aarmeabi-v7aThis version requires Android 11 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 50 MiB PGP Signature | Build Log