PennyWise AI - Expense Tracker

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.