New in version 2.24.0
• Import bank statements from Excel or CSV files, with column mapping, a live preview, and a balance check to confirm everything landed correctly
• Safe-to-spend budget and month-end spending forecast now live on the Home screen
• On-device AI chat on iOS (Foundation Models) with confirm cards before any change, plus AI fallback for SMS messages from unrecognised banks
• Connect Claude or ChatGPT to your on-phone data and view a live dashboard — Pro feature
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
• 169 banks and payment services across 26 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 an optional Pro upgrade
PennyWise is free to use. An optional Pro license adds unlimited custom rules, PDF statement imports, CSV export, duplicate-account merge and scheduled daily backups — and directly supports a solo developer building PennyWise independently. Already have a license key? Enter it under Settings → PennyWise Pro.
A money manager, budget planner and spending tracker in one — for people who hate typing in expenses.
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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.
Download F-Droid
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arm64-v8a
armeabi-v7a
This version requires Android 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Permissions
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view network connections
Allows the app to view information about network connections such as which networks exist and are connected.
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change network connectivity
Allows the app to change the state of network connectivity.
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run foreground service
Allows the app to make use of foreground services.
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run foreground service with the type "connectedDevice"
Allows the app to make use of foreground services with the type "connectedDevice"
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have full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.
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show notifications
Allows the app to show notifications
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read your contacts
Allows the app to read data about your contacts stored on your phone. Apps will also have access to the accounts on your phone that have created contacts. This may include accounts created by apps you have installed. This permission allows apps to save your contact data, and malicious apps may share contact data without your knowledge.
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read your text messages (SMS or MMS)
This app can read all SMS (text) messages stored on your phone.
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run at startup
Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.
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receive text messages (SMS)
Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.
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use biometric hardware
Allows the app to use biometric hardware for authentication
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use fingerprint hardware
Allows the app to use fingerprint hardware for authentication
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prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.
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com.pennywiseai.tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Download APK
39 MiB
PGP Signature
|
Build Log
New in version 2.23.0
• Goals and Budgets — set spending goals, track progress, and add transactions to a goal directly from the transaction detail screen
• Fixed a crash that prevented launch on Android 13 and older devices after the last database migration
• New Spending filter in Analytics combines Expense and Card transactions into a single view
• Fixed Tamilnad Mercantile Bank SMS messages being incorrectly captured by Thailand's TTB parser
-
arm64-v8a
armeabi-v7a
This version requires Android 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Permissions
-
view network connections
Allows the app to view information about network connections such as which networks exist and are connected.
-
run foreground service
Allows the app to make use of foreground services.
-
have full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.
-
show notifications
Allows the app to show notifications
-
read your contacts
Allows the app to read data about your contacts stored on your phone. Apps will also have access to the accounts on your phone that have created contacts. This may include accounts created by apps you have installed. This permission allows apps to save your contact data, and malicious apps may share contact data without your knowledge.
-
read your text messages (SMS or MMS)
This app can read all SMS (text) messages stored on your phone.
-
run at startup
Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.
-
receive text messages (SMS)
Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.
-
use biometric hardware
Allows the app to use biometric hardware for authentication
-
use fingerprint hardware
Allows the app to use fingerprint hardware for authentication
-
prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.
-
com.pennywiseai.tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Download APK
39 MiB
PGP Signature
|
Build Log
New in version 2.22.0
• Receipt photos are now included in backups
• Import ICICI Bank PDF statements, including password-protected ones
• Added support for Equity Bank (Kenya, KES)
• Share any text or notification to PennyWise to open Add Transaction pre-filled
• Configurable webhook sync lets you push transactions to external services
• App notifications from Slice, Chase UK, and Trading 212 are now parsed
-
arm64-v8a
armeabi-v7a
This version requires Android 8.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Permissions
-
view network connections
Allows the app to view information about network connections such as which networks exist and are connected.
-
run foreground service
Allows the app to make use of foreground services.
-
have full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.
-
show notifications
Allows the app to show notifications
-
read your contacts
Allows the app to read data about your contacts stored on your phone. Apps will also have access to the accounts on your phone that have created contacts. This may include accounts created by apps you have installed. This permission allows apps to save your contact data, and malicious apps may share contact data without your knowledge.
-
read your text messages (SMS or MMS)
This app can read all SMS (text) messages stored on your phone.
-
run at startup
Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.
-
receive text messages (SMS)
Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.
-
use biometric hardware
Allows the app to use biometric hardware for authentication
-
use fingerprint hardware
Allows the app to use fingerprint hardware for authentication
-
prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.
-
com.pennywiseai.tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Download APK
39 MiB
PGP Signature
|
Build Log
