PennyWise: SMS Expense Tracker
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
新版本 2.24.0
• Import bank statements from Excel or CSV files, with column mapping, a live preview, and a balance check to confirm everything landed correctly
• Safe-to-spend budget and month-end spending forecast now live on the Home screen
• On-device AI chat on iOS (Foundation Models) with confirm cards before any change, plus AI fallback for SMS messages from unrecognised banks
• Connect Claude or ChatGPT to your on-phone data and view a live dashboard — Pro feature
• Safe-to-spend budget and month-end spending forecast now live on the Home screen
• On-device AI chat on iOS (Foundation Models) with confirm cards before any change, plus AI fallback for SMS messages from unrecognised banks
• Connect Claude or ChatGPT to your on-phone data and view a live dashboard — Pro feature
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
• 169 banks and payment services across 26 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. An optional Pro license adds unlimited custom rules, PDF statement imports, CSV export, duplicate-account merge and scheduled daily backups — and directly supports a solo developer building PennyWise independently. Already have a license key? Enter it under Settings → PennyWise Pro.
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
• 169 banks and payment services across 26 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. An optional Pro license adds unlimited custom rules, PDF statement imports, CSV export, duplicate-account merge and scheduled daily backups — and directly supports a solo developer building PennyWise independently. Already have a license key? Enter it under Settings → PennyWise Pro.
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 2.23.0
• Goals and Budgets — set spending goals, track progress, and add transactions to a goal directly from the transaction detail screen
• Fixed a crash that prevented launch on Android 13 and older devices after the last database migration
• New Spending filter in Analytics combines Expense and Card transactions into a single view
• Fixed Tamilnad Mercantile Bank SMS messages being incorrectly captured by Thailand's TTB parser
• Fixed a crash that prevented launch on Android 13 and older devices after the last database migration
• New Spending filter in Analytics combines Expense and Card transactions into a single view
• Fixed Tamilnad Mercantile Bank SMS messages being incorrectly captured by Thailand's TTB parser
新版本 2.22.0
• Receipt photos are now included in backups
• Import ICICI Bank PDF statements, including password-protected ones
• Added support for Equity Bank (Kenya, KES)
• Share any text or notification to PennyWise to open Add Transaction pre-filled
• Configurable webhook sync lets you push transactions to external services
• App notifications from Slice, Chase UK, and Trading 212 are now parsed
• Import ICICI Bank PDF statements, including password-protected ones
• Added support for Equity Bank (Kenya, KES)
• Share any text or notification to PennyWise to open Add Transaction pre-filled
• Configurable webhook sync lets you push transactions to external services
• App notifications from Slice, Chase UK, and Trading 212 are now parsed