PennyWise: SMS Expense Tracker
Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.
Sarim AI Chat Finance Manager
Screenshots
Description
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
• 161 banks and payment services across 25 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.
What’s new (2.23.0)
• Goals and Budgets — set spending goals, track progress, and add transactions to a goal directly from the transaction detail screen
• Fixed a crash that prevented launch on Android 13 and older devices after the last database migration
• New Spending filter in Analytics combines Expense and Card transactions into a single view
• Fixed Tamilnad Mercantile Bank SMS messages being incorrectly captured by Thailand's TTB parser
Versions
Permissions
What the app asks the system for. Android only grants sensitive access after you confirm it.
- Read SMSRead text messages.
- Receive SMSProcess incoming text messages.
- NotificationsShow notifications.
- Internet accessSend and receive data over the internet.
- BiometricsUnlock with fingerprint or face.
- Read contactsAccess the address book.
- FingerprintUnlock with a fingerprint.
- Prevent sleepingKeep the device from going to sleep.
Show 4 more permissions
- Network stateCheck whether and how the device is connected.
- Run at startupStart automatically after the device is switched on.
- Foreground serviceKeep running in the background, visible in the status bar.
- tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
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