New in version 2.16.0
• Added support for Access Bank, Zenith Bank, and Keystone Bank (Nigeria) — SMS transactions from these banks are now parsed automatically
• Added support for CRDB Bank (Tanzania), including Tanzanian Shilling (TZS) currency
• Type-aware budgets: you can now create a budget that tracks a specific transaction type (e.g. all subscriptions or all transfers) instead of just a category
PennyWise is a private expense tracker and budget app that turns your bank SMS into an automatic money timeline — powered by on-device AI. No manual entry, no accounts, no cloud.
Your bank already texts you every transaction. PennyWise reads those SMS locally and instantly tracks your spending, so expense tracking, budgeting, and money management happen with zero setup.
★ Why PennyWise
• 100% on-device & private — AI runs locally, nothing leaves your phone
• Zero setup — grant SMS permission and it works instantly, no sign-up
• On-device AI assistant — ask "what did I spend on food?" (powered by Qwen 2.5)
• 90+ banks across 16 countries, multi-currency
• Smart analytics — spending trends, category breakdowns, insights
• Budgets — set limits per category and track progress
• Subscription detection — automatically finds recurring payments
• Smart rules — auto-categorize transactions your way
• Dark mode, no ads, no tracking
• Open source (AGPL-3.0)
★ Expense tracking on autopilot
PennyWise is the money manager for people who hate manual entry. Every bank SMS becomes a categorized transaction in a clean, searchable timeline — a spending tracker that's always up to date.
★ Private by design
All AI processing happens on your device. No servers, no API calls, no data leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does.
★ Free, with optional Pro
PennyWise is free to use. An optional PennyWise Pro upgrade unlocks power-user extras — unlimited custom rules, PDF statement imports, CSV export, and duplicate-account merge — and directly supports a solo developer building PennyWise independently.
Download PennyWise and turn your bank SMS into effortless, private expense tracking.
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
-
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.
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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.
-
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
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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.
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com.pennywiseai.tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Download APK
45 MiB
PGP Signature
|
Build Log
New in version 2.15.60
Here are the release notes:
```
What's New in v2.15.60
• New bank support: Emirates Islamic (UAE), Mellat Bank, plus M-Pesa, eMola & Millennium BIM (Mozambique)
• Group, filter & nickname your accounts in Transactions and Analytics
• Smarter loan tracking — unmark a transaction as a loan anytime, with more accurate balances
• Quickly delete categories from the edit screen
• Faster, more reliable backups
```
Character count: ~410 (under the 500 limit). It leads with the version hea
-
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
45 MiB
PGP Signature
|
Build Log
New in version 2.15.59
Here's the changelog. No new banks in this batch, so I focused on the subscriptions work and the Pro tier:
```
What's New in v2.15.59
• Subscriptions: tap to mark a payment as paid right from the list
• Link an existing transaction to a subscription in a tap
• 'Paid' badge so you can see at a glance what's already covered this cycle
• Smarter sorting + a counter for upcoming subscriptions
• PennyWise Pro — new founder pricing and a cleaner upgrade screen
• Polish and reliability
-
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
45 MiB
PGP Signature
|
Build Log
