PennyWise: SMS Expense Tracker
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
新版本 2.18.1
• Spending Pie widget — pin a live breakdown of your spending categories directly to your home screen
• Groups section on the home screen — a quick-access rail of all your transaction groups
• Monthly Recap — generate a shareable summary card for any month, with an AI-crafted caption to kick off the next month's habit
• Mark any two selected transactions as a transfer, with improved automatic transfer detection
• Groups section on the home screen — a quick-access rail of all your transaction groups
• Monthly Recap — generate a shareable summary card for any month, with an AI-crafted caption to kick off the next month's habit
• Mark any two selected transactions as a transfer, with improved automatic transfer detection
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
• 142 banks and payment services across 23 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. Where in-app purchases are available, an optional Pro upgrade adds unlimited custom rules, PDF statement imports, CSV export and duplicate-account merge — and directly supports a solo developer building PennyWise independently. Builds distributed without in-app purchases have all of it unlocked from the start.
A money manager, budget planner and spending tracker in one — for people who hate typing in expenses.
★ 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
• 142 banks and payment services across 23 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. Where in-app purchases are available, an optional Pro upgrade adds unlimited custom rules, PDF statement imports, CSV export and duplicate-account merge — and directly supports a solo developer building PennyWise independently. Builds distributed without in-app purchases have all of it unlocked from the start.
A money manager, budget planner and spending tracker in one — for people who hate typing in expenses.
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 2.17.1
• Import transactions from a CSV file — great for migrating from another app or adding bulk history
• Tags now support multiple values per transaction, with filtering and a dedicated analytics view (Top Tags)
• Record manual account-to-account Transfers with explicit From and To accounts
• Automated daily folder backup at 2 AM keeps your data safe without any manual action (Pro)
• New bank supported: D360 Bank (Saudi Arabia) SMS parsing
• Tags now support multiple values per transaction, with filtering and a dedicated analytics view (Top Tags)
• Record manual account-to-account Transfers with explicit From and To accounts
• Automated daily folder backup at 2 AM keeps your data safe without any manual action (Pro)
• New bank supported: D360 Bank (Saudi Arabia) SMS parsing
新版本 2.17.0
• Added Nations Trust Bank and National Savings Bank (Sri Lanka), bKash (Bangladesh), six Nepal banks, Kerala Bank, NSDL Payments Bank, and Jana Small Finance Bank (India)
• Added Arab Bank covering Egypt (EGP) and Jordan (JOD/USD, including 3-decimal currencies), Bankino and blu Bank (Iran, Persian SMS), and Jaiz Bank and Opay (Nigeria)
• Added NMB Bank Tanzania, Diamond Trust Bank (DTB) Tanzania, and Mixx by Yas (Tanzania) mobile wallet
• Added Arab Bank covering Egypt (EGP) and Jordan (JOD/USD, including 3-decimal currencies), Bankino and blu Bank (Iran, Persian SMS), and Jaiz Bank and Opay (Nigeria)
• Added NMB Bank Tanzania, Diamond Trust Bank (DTB) Tanzania, and Mixx by Yas (Tanzania) mobile wallet