PennyWise AI - Expense Tracker

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.