Updated Sep 22, 2026
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
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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 • Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction • 169 banks and payment services across 26 countries, with multi-currency support • Works with any UPI app — it reads your bank's SMS, not the app • A clean, searchable spending timeline that stays up to date on its own
★ Budgets and insights • Set monthly budgets per category and watch progress as you spend • Spending trends, category breakdowns and month-on-month comparisons • Automatic subscription detection — finds the recurring payments you forgot about • 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 • No account, no login, no email required • No ads, no trackers, no analytics on your financial data • Nothing leaves your device • 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.
• Import bank statements from Excel or CSV files, with column mapping, a live preview, and a balance check to confirm everything landed correctly
• Safe-to-spend budget and month-end spending forecast now live on the Home screen
• On-device AI chat on iOS (Foundation Models) with confirm cards before any change, plus AI fallback for SMS messages from unrecognised banks
• Connect Claude or ChatGPT to your on-phone data and view a live dashboard — Pro feature
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