PennyWise AI Expense Tracker

Track every expense, privately. Your spending, budgets and insights stay 100% on-device — no accounts, no cloud, no ads. Add expenses fast or import a bank statement.

PennyWise is a private expense tracker and budget app that keeps your money — and your data — entirely on your device. No accounts. No cloud. No tracking. No ads.

Add expenses in seconds, import your bank statements, and watch a clean, categorized timeline of where your money goes — with budgets, trends, and insights that never leave your iPhone.

Why PennyWise • 100% on-device & private — your data never leaves your phone • No sign-up, no accounts — open the app and start • Import statements — bring in Google Pay & PhonePe PDF statements • Smart analytics — spending trends, category breakdowns, top merchants • Budgets — set limits per category, with custom monthly cycles • Subscription tracking — keep an eye on recurring payments • Smart rules — auto-categorize your transactions • Multi-currency support • Beautiful dark mode • Open source (AGPL-3.0)

Expense tracking, your way Add income and expenses fast, or import a statement to backfill your history. Every transaction lands in a searchable, categorized timeline — a spending tracker that's always up to date.

Budgets that fit real life Set category budgets and track progress at a glance. Custom cycle start days mean your "month" can begin on payday, not the 1st.

Private by design All processing happens on your device — no servers, no API calls, nothing 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 & open source PennyWise is completely free, with no ads and no in-app purchases. The full source is open (AGPL-3.0).

Download PennyWise for private, effortless expense tracking and budgeting.