PennyWise AI - Expense Tracker
Private expense tracker & budget app — auto-reads bank SMS, on-device AI.
新版本 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
• 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.
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.
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 2.15.60
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
```
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
新版本 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
```
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