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.