PennyWise: SMS Expense Tracker 2.25.0
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
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About PennyWise: SMS Expense Tracker
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
o Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction
o 169 banks and payment services across 26 countries, with multi-currency support
o Works with any UPI app -- it reads your bank's SMS, not the app
o A clean, searchable spending timeline that stays up to date on its own
? Budgets and insights
o Set monthly budgets per category and watch progress as you spend
o Spending trends, category breakdowns and month-on-month comparisons
o Automatic subscription detection -- finds the recurring payments you forgot about
o 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
o No account, no login, no email required
o No ads, no trackers, no analytics on your financial data
o Nothing leaves your device
o 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.
License: AGPL-3.0-only
? 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
o Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction
o 169 banks and payment services across 26 countries, with multi-currency support
o Works with any UPI app -- it reads your bank's SMS, not the app
o A clean, searchable spending timeline that stays up to date on its own
? Budgets and insights
o Set monthly budgets per category and watch progress as you spend
o Spending trends, category breakdowns and month-on-month comparisons
o Automatic subscription detection -- finds the recurring payments you forgot about
o 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
o No account, no login, no email required
o No ads, no trackers, no analytics on your financial data
o Nothing leaves your device
o 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.
License: AGPL-3.0-only
| Release info | Update on Nov 05, 2026 |
|---|---|
| Release notes | Release v2.25.0 Version 2.25.0 is a large release headlined by subscription tracking, expanded amount-privacy controls, and fixes that make currency handling rock-solid across budgets, widgets, and Home. It also adds five new banks and brings the full app to 13 languages. What's New • Subscription tracking: PennyWise now spots repeat charges in your history, flags when a price quietly changes, and reminds you before a bill is due — plus it suggests recurring bills it found that you haven't tracked yet • New bank support: City Bank Bangladesh, Commercial Bank of Ceylon (ComBank, Sri Lanka), Arab Bank (debit card purchases), Islamic International Arab Bank (incoming CliQ payments), and Orange Money (Jordan) • Amount privacy extended to every screen — shake your phone anywhere in the app to instantly hide or reveal all figures • App Lock overhaul: the timeout now counts from when you leave the app, the Recents preview is hidden while locked, and the 'Immediately' setting no longer skips the lock on return • Suggest transactions from SMS of banks PennyWise doesn't officially support yet — confirm one and it learns the sender automatically for future messages • Richer transaction notifications: category shown in the header, a one-tap 'Not an expense' button, and you can now pick up transaction alerts from any app you choose • New pill-style navigation bar with each tab's main action docked right next to it • Refreshed look with Material 3 Expressive components: morphing chips, segmented rows, and fluid motion throughout • Currency fixes: budgets convert automatically when you change your base currency, widgets and Home figures now show the correct currency for non-INR users, and transaction totals are calculated with exact arithmetic instead of floating-point • Crash fix on Android 11 and older devices when viewing 1,000+ transactions • SBI: outgoing NEFT delivery confirmations are no longer incorrectly booked as income • Home screen leads with decisions first; 'Safe… |
| Listing data | F-Droid |
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