PennyWise AI
Offline expense tracker from bank SMS with optional AI chat
新版本 2.15.46
What's New in v2.15.46
• Added support for Ethiopian banks: Telebirr, Zemen Bank, and Dashen Bank
• New budget group management with category spending tracking and drag-to-reorder
• Unified currency mode with custom exchange rates for multi-currency tracking
• Improved Kotak Bank credit card SMS parsing
• Enhanced navigation with category filters from home screen
• Added support for Ethiopian banks: Telebirr, Zemen Bank, and Dashen Bank
• New budget group management with category spending tracking and drag-to-reorder
• Unified currency mode with custom exchange rates for multi-currency tracking
• Improved Kotak Bank credit card SMS parsing
• Enhanced navigation with category filters from home screen
PennyWise AI — Free & Open-Source, private SMS-powered expense tracker
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.
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.
版本
尽管下面提供了 APK 安装包的下载选项，但你应该注意，以这种方式安装将不会收到更新通知，这是一种不太安全的下载方式。 我们建议你安装使用 F-Droid 客户端。
下载 F-Droid-
arm64-v8aarmeabi-v7a该版本需要 Android 8.0 及以上版本。
此安装包由 F-Droid 构建并签名，且保证与此源代码 tarball 保持一致。
-
arm64-v8aarmeabi-v7a该版本需要 Android 8.0 及以上版本。
此安装包由 F-Droid 构建并签名，且保证与此源代码 tarball 保持一致。
-
arm64-v8aarmeabi-v7a该版本需要 Android 8.0 及以上版本。
此安装包由 F-Droid 构建并签名，且保证与此源代码 tarball 保持一致。
新版本 2.15.45
What's New in v2.15.45
• New Budget Widget: Track monthly budgets right from your home screen
• Transaction Splits: Divide expenses across multiple categories
• Tanzanian Support: M-Pesa, Selcom & Tigo mobile money now supported
• Enhanced Parsers: Better detection for Federal Bank, ICICI, IDFC First, HDFC, SBI & Central Bank of India
• Multi-currency: Emirates NBD & Liv Bank now handle USD, EUR & GBP transactions
• UX improvements and bug fixes
• New Budget Widget: Track monthly budgets right from your home screen
• Transaction Splits: Divide expenses across multiple categories
• Tanzanian Support: M-Pesa, Selcom & Tigo mobile money now supported
• Enhanced Parsers: Better detection for Federal Bank, ICICI, IDFC First, HDFC, SBI & Central Bank of India
• Multi-currency: Emirates NBD & Liv Bank now handle USD, EUR & GBP transactions
• UX improvements and bug fixes
新版本 2.15.44
What's New in v2.15.44
• Added support for older Android devices (Android 8.0+)
• New bank support: Liv Bank (UAE), Emirates NBD (UAE), AdelFi Credit Union (USA), Siddhartha Bank (Nepal) - now 46 banks!
• Create custom rules to auto-categorize transactions
• Improved UPI transfer detection for Slice
• Better account number recognition
• Enhanced JioPay transaction parsing
• Bug fixes and performance improvements
• Added support for older Android devices (Android 8.0+)
• New bank support: Liv Bank (UAE), Emirates NBD (UAE), AdelFi Credit Union (USA), Siddhartha Bank (Nepal) - now 46 banks!
• Create custom rules to auto-categorize transactions
• Improved UPI transfer detection for Slice
• Better account number recognition
• Enhanced JioPay transaction parsing
• Bug fixes and performance improvements