PennyWise AI
Offline expense tracker from bank SMS with optional AI chat
新版本 2.15.41
What's New in v2.15.41
• 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
• 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
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 11 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 11 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 11 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。