PennyWise turns the bank/UPI SMS you already get into an automatic expense timeline. Parsing, storage and the AI assistant all run on your phone: no login, no bank linking, no analytics.
New since last launch: an iOS app, 157 banks across 24 countries, PDF statement import, and a faster on-device Qwen model. Open source (AGPL) and free, with everything unlocked in the F-Droid build.
PennyWise automatically tracks expenses from bank SMS without sending data to any server. Features on-device AI, smart analytics, and exports for taxes. Open-source, free forever, works offline. Built for privacy-conscious users tired of cloud-based trackers.
PennyWise AI AI expense tracker with local LLM - your data never leaves
