PennyWise AI is an open source Android app that tracks expenses and budgets by parsing bank SMS messages using on-device AI. It offers privacy, multi-currency support, analytics, and subscription detection, making it ideal for users who want automated, private financial management.
In the Personal finance & budgeting space, PennyWise AI takes a focused approach. PennyWise AI automates expense tracking and budgeting by reading bank SMS using on-device AI. PennyWise AI is an open-source project aimed at privacy-focused individuals managing personal finances. The project is open source (AGPL-3.0). It runs on the web and Android.
underdog2035 builds and maintains PennyWise AI, and the product first shipped in 2025. The project is developed in the open on GitHub with 498 stars and 343 commits in the last 90 days. Across PulseGate's embedding index, PennyWise AI has few near neighbours, marking it as relatively distinct. Among its 8 catalogued features are expense tracking, budgeting, and Bank SMS parsing. The interface is available in 26 languages, including Arabic, Tibetan, and Catalan.
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