PennyWise: SMS Expense Tracker
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
新版本 2.21.0
• App is now fully translatable — per-app language switching and Crowdin integration are live, with fresh translations already applied
• Loans are now listed by person, showing the net balance owed and a Settle up action
• Ignoring an account now correctly hides all its transactions everywhere in the app
• Budget cards show how much you can spend per day to stay within the limit
• Fixed UCO Bank SMS parsing — the account balance was being recorded as the debit amount
• Loans are now listed by person, showing the net balance owed and a Settle up action
• Ignoring an account now correctly hides all its transactions everywhere in the app
• Budget cards show how much you can spend per day to stay within the limit
• Fixed UCO Bank SMS parsing — the account balance was being recorded as the debit amount
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
• 157 banks and payment services across 24 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
• 157 banks and payment services across 24 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.
捐助
版本
雖然在下方可選擇下載 APK 檔案，但要留意這樣的安裝方式將不會收到更新通知，是一種較不安全的下載方法。建議您先安裝 F-Droid 用戶端使用。
下載 F-Droid-
arm64-v8aarmeabi-v7a此版本需要 Android 8.0 或更高的版本。
此套件包由 F-Droid 建置和簽署，並保證與此原始碼 Tarball 保持一致。
-
arm64-v8aarmeabi-v7a此版本需要 Android 8.0 或更高的版本。
此套件包由 F-Droid 建置和簽署，並保證與此原始碼 Tarball 保持一致。
-
arm64-v8aarmeabi-v7a此版本需要 Android 8.0 或更高的版本。
此套件包由 F-Droid 建置和簽署，並保證與此原始碼 Tarball 保持一致。
新版本 2.20.0
• Chat with PennyWise to add transactions from natural language — all processed on-device, nothing leaves your phone
• On-device AI runs 3x faster and a crash that affected some devices is fixed
• Sub-categories let you break spending into finer groups, with analytics that correctly filter and label them
• Balance discrepancy detection flags when an account balance is out of sync and lets you adjust it with one tap
• Credit-card purchases can now be split across multiple categories
• On-device AI runs 3x faster and a crash that affected some devices is fixed
• Sub-categories let you break spending into finer groups, with analytics that correctly filter and label them
• Balance discrepancy detection flags when an account balance is out of sync and lets you adjust it with one tap
• Credit-card purchases can now be split across multiple categories
新版本 2.19.0
• Recurring transactions — schedule any manual or cash transaction to repeat automatically on your chosen cadence
• Transactions is now a permanent bottom-nav tab, so your full history is always one tap away
• Tag expenses inline from the notification quick-picker without opening the app
• Added Pluxee India meal-card parser — Pluxee SMS messages are now parsed automatically
• Added Banque Saudi Fransi (BSF) parser — BSF transactions are now parsed automatically
• Transactions is now a permanent bottom-nav tab, so your full history is always one tap away
• Tag expenses inline from the notification quick-picker without opening the app
• Added Pluxee India meal-card parser — Pluxee SMS messages are now parsed automatically
• Added Banque Saudi Fransi (BSF) parser — BSF transactions are now parsed automatically