PennyWise AI

underdog2035

About this app

Track expenses automatically from bank SMS — no manual entry, no cloud, complete privacy.

PennyWise turns your bank transaction SMS into a clean, searchable expense tracker using on-device AI. Your financial data never leaves your phone.

✨ KEY FEATURES

🤖 Smart SMS Parsing
• Supports 85+ banks across 14 countries (India, USA, UAE, Thailand, Nepal, Ethiopia, Tanzania, Pakistan, Saudi Arabia, Belarus, Egypt, Kenya)
• Extracts amount, merchant, date automatically
• Real-time detection — parses new SMS the moment they arrive
• Works with credit, debit, UPI, and mobile money transactions
• Multi-currency support: INR, USD, AED, THB, NPR, ETB, TZS, PKR, SAR, BYN, EGP, KES
• Multi-language SMS: English, Arabic, Russian, Thai, Amharic

🔒 100% Privacy Guaranteed
• All AI processing happens on-device using MediaPipe (Qwen 2.5)
• No cloud servers, no data uploads, no tracking, no accounts to create
• Read-only SMS access — we never send messages
• Open-source (AGPL v3) — verify exactly what the app does

💰 Budget & Balance Tracking
• Set monthly budgets with daily allowance tracking
• Multiple budget groups: Limit, Target, and Expected types
• Category-level budget breakdowns
• Live balance tracking from SMS with balance history
• Multi-account support — track all your bank accounts in one place

💡 Smart Financial Insights
• On-device AI assistant — ask "What did I spend on food this month?"
• Spending trends with bar charts, line graphs, and heatmaps
• Category breakdowns and top merchant analysis
• Automatic subscription detection with due date alerts
• Custom date range filtering

🏷️ Organization & Rules
• Smart Rules — auto-categorize transactions by pattern
• Custom categories with your own colors and icons
• Search and filter by category, merchant, period, currency, or type
• Manual transaction entry and editing
• CSV export for taxes and record-keeping
• Full backup & restore (.pennywisebackup)

📱 Beautiful Design
• Material You dynamic theming (Android 12+)
• Multiple cover styles: Aurora, Gradient, Wave, Mesh
• Full dark mode support
• Smooth Jetpack Compose UI

🔐 Security
• Biometric app lock (fingerprint/face) with configurable timeout
• Home screen widgets for budget and recent transactions

🏦 85+ Supported Banks Including
India: HDFC, SBI, ICICI, Axis, Kotak, PNB, IDFC First, Federal, Jupiter, and 35+ more
USA: Huntington, Navy Federal, Adel Fi, Ally, and more
UAE: Emirates NBD, Mashreq, Liv, Standard Chartered
Thailand: Bangkok Bank, Kasikorn, SCB, Krung Thai, and more
Plus banks in Nepal, Ethiopia, Tanzania, Pakistan, Saudi Arabia, Belarus, Egypt, Kenya
New banks added regularly based on community requests!

🎯 Perfect For
• Privacy-first users who refuse to upload financial data to servers
• International users with multi-currency, multi-bank needs
• Budget-conscious users wanting automated tracking without manual entry
• Anyone who wants a transparent, ad-free, open-source finance app

Requirements:
• Android 8.0 (API 26) or higher
• SMS permission (read-only)

Free & Open Source
No ads, no subscriptions, no premium tiers. Forever free under AGPL v3.

Support & Community:
• GitHub: github.com/sarim2000/pennywiseai-tracker
• Discord: Join our community for help and feature requests

What’s new

• Transaction Groups to organise related transactions
• Personal/Business profile filtering for accounts & transactions
• Quick Add Transaction home-screen widget
• Receipt attachments + redesigned transaction form
• Credit card statement date with billed/unbilled split
• Per-budget spending pace chart
• Income budget impact (refunds & extra budget)