PennyWise AI
• Transaction Groups to organise related transactions
• Personal/Business profile filtering for accounts & transactions
• Quick Add Transaction home-screen widget
• Receipt attachments + redesigned transaction form
• Credit card statement date with billed/unbilled split
• Per-budget spending pace chart
• Income budget impact (refunds & extra budget)
• New bank support: Greater Bank, Punjab & Sind, DOP, Prime Commercial, SNB-AlAhli, STC Bank
• Branded adap
Your bank already texts you every transaction — PennyWise turns those SMS into a private, zero-setup expense tracker with on-device AI. No accounts, no cloud, no effort.
Key Features:
- 100% On-Device & Private — All AI processing runs locally, no cloud, no servers, no tracking
- Zero Setup — Just grant SMS permission, no accounts to create, works instantly
- Free & Open Source — AGPL v3 licensed, no ads, no hidden costs
- On-Device AI Assistant — Ask "What did I spend on food?" — powered by Qwen 2.5, runs entirely on your phone
- 90+ Banks Supported across 18 countries with multi-currency capabilities
- Smart Analytics — Monthly trends, category breakdowns, spending patterns
- Budget Tracking — Set budgets per category and track progress
- Subscription Detection — Automatically identifies recurring payments
- Smart Rules — Auto-categorize transactions with customizable rules
All AI processing happens on your device using Qwen 2.5 — no cloud, no API calls, no data leaving your phone.
- Author: Sarim
- License: MIT License
- Issue Tracker
- Source Code
- Changelog
- Build Metadata
- Reproducibility Status
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 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 43 MiB PGP Signature | Build Log
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arm64-v8aarmeabi-v7aThis version requires Android 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 43 MiB PGP Signature | Build Log
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arm64-v8aarmeabi-v7aThis version requires Android 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 48 MiB PGP Signature | Build Log
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What's New in v2.15.52
• Fixed IDFC FIRST bill reminders incorrectly showing as transactions
• JioPay bill payments now correctly categorized as expenses
• Improved merchant name detection for HDFC UPI and ICICI credit card transactions
• General stability improvements
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That's 282 characters — well within the 500 limit.
What's New in v2.15.50
• Bank app notifications now auto-track expenses — no more missed transactions
• Smart deduplication prevents duplicate entries from SMS and notifications
• New bank support: Al Rajhi Bank, Chase Bank, T-Bank, mBank CZ, and enhanced Everest Bank
• Powerful rule engine with dry run preview before applying
• Upgraded AI model for better transaction parsing
• Auto-create accounts when importing PDF statements
• AMOLED dark mode and new app icon
• Various