AI summary
Open-source expense tracker that parses bank SMS locally to build a searchable money timeline. Uses on-device Qwen 2.5 AI with no cloud processing. Supports 90+ banks across 18 countries with budgets, analytics, and subscription detection. Requires SMS and contacts permissions to function.
Generated by AI. May contain inaccuracies.
About this app
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.
About this version
- Version
- 2.15.59 (96)
- Size
- 45.68 MB
- Requires Android
- 8.0
- Target SDK
- 26
- Architecture
- arm64-v8a, armeabi-v7a
- Downloads
- 25
- Updated
- Jun 11, 2026
- Package
- com.pennywiseai.tracker
Ratings & reviews
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- 10