Pennie is an offline‑first personal finance tracker that turns Finance Notification content from other apps—Bank, Credit Card, Wallet, SMS, Gmail, fintech alerts—into structured, review‑first transactions you fully control.

Core idea
You already receive Finance Notification streams across channels (push alerts, transactional SMS, promotional mailers, statement snippets). Pennie lets you locally capture the relevant finance notification text, extract amounts, direction, category hints, then you approve what becomes a real transaction. Nothing leaves your device.

What Pennie does (and what makes it different):

Auto-captures expenses from notifications (UPI, bank, cards, Gmail, etc.) and pre-fills amount/notes so you can add transactions quickly.
Smart review flow: you can review multiple notifications together and add selected ones in one shot (helps avoid manual entry fatigue).
Essential vs Non‑essential tracking to help you spot “leakage spending” and improve over time.
Loan/EMI tools with interest accrual: shows daily/monthly interest impact and helps you plan payoff strategies.
EMI planner + charts to visualize payoff timelines and potential savings with extra payments.
Budgeting + insights (category-wise trends, summaries, and reports) to make spending patterns clear.
Offline-first & privacy-friendly: your data stays on your phone (no forced sign-in), designed for speed and reliability.

Premium (pennie_premium_yearly)
Upgrade to remove ads and unlock:
• Advanced reports & extended historical analytics
• Faster bulk approval refinements & batching improvements
• Priority local parsing pattern updates (still offline)
• Early access to new on‑device insight modules

Why offline-first matters
Travel, airplane mode, low connectivity, privacy concerns—Pennie never waits for a server. Parsing, storage, and analytics all run locally (SQLite + optimized C# logic).

Data ownership & security
• No cloud sync or external API calls for financial text.
• Finance Notification fragments are processed in memory, stored only as approved transactions.
• You can clear pending items or exported files anytime.
• Optional device/biometric lock for rapid re‑auth.

How a Finance Notification becomes a transaction

Finance Notification text (e.g., “INR 842.50 spent at STAR MART *8921”) arrives or is shared.
Pennie extracts amount, currency, direction (expense/income), merchant/payee hints, optional reference code.
It appears in Pending with parsed fields you can adjust.
You approve → it becomes part of your ledger & reports.
Decline/dismiss removes it; nothing is uploaded.
Export & analysis
Need external crunching? Export CSV and open in Excel, Sheets, Python, or a BI tool—still without exposing raw notification history beyond what you explicitly approve.

Roadmap (user-driven)
Upcoming: smarter recurring detection, multi‑currency rollups, enriched merchant normalization, anomaly hints—still strictly on‑device.

Support & transparency
If a Finance Notification doesn’t parse well, share a sanitized snippet (remove account digits) via feedback; patterns improve locally—never centralized.

Start now
Install Pennie, share a few Bank / Credit Card / SMS / Gmail Finance Notification snippets, approve them, and immediately see private, structured spending insight.