PennyWise AI
Private, SMS-powered expense tracker with on-device AI
| AppID: | com.pennywiseai.tracker |
| Author: | Sarim |
| License: | MIT |
| InRepoSince: | 2025-08-30 |
| LastRepoUpdate: | 2026-04-07 |
| LastAppUpdate: | Unknown |
| LastVersion: | 2.15.52 |
| Categories: | AI Chat, Finance Manager, Money |
| Google Play: | Check if it's there |
Turn bank SMS into a clean, searchable money timeline with on-device AI assistance. 100% private, no cloud processing.Your bank already texts you every transaction — PennyWise turns those SMS into a private, zero-setup expense tracker with on-device AI. No accounts, no cloud, no effort.
Key Features:
- 100% On-Device & Private — All AI processing runs locally, no cloud, no servers, no tracking
- Zero Setup — Just grant SMS permission, no accounts to create, works instantly
- Free & Open Source — AGPL v3 licensed, no ads, no hidden costs
- On-Device AI Assistant — Ask "What did I spend on food?" — powered by Qwen 2.5, runs entirely on your phone
- 90+ Banks Supported across 18 countries with multi-currency capabilities
- Smart Analytics — Monthly trends, category breakdowns, spending patterns
- Budget Tracking — Set budgets per category and track progress
- Subscription Detection — Automatically identifies recurring payments
- Smart Rules — Auto-categorize transactions with customizable rules
All AI processing happens on your device using Qwen 2.5 — no cloud, no API calls, no data leaving your phone.
WhatsNew:
So v2.15.52 is a patch release with the parser bug fixes from `ac12de3d`. Here are the release notes:
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What's New in v2.15.52
• Fixed IDFC FIRST bill reminders incorrectly showing as transactions
• JioPay bill payments now correctly categorized as expenses
• Improved merchant name detection for HDFC UPI and ICICI credit card transactions
• General stability improvements
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That's 282 characters — well within the 500 limit.
While you can download the APKs here directly, you should preferably use an F-Droid client so the app stays up-to-date on your device.
Packages
Version 2.15.52 (2026-04-07) 
Android Versions:
- Target: 16.0
- MinVer: 8.0
- ABIs: arm64-v8a, armeabi-v7a
Permissions:
Malware-Check:
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