PennyWise: SMS Expense Tracker APK

PennyWise: SMS Expense Tracker

Your Finances, Reimagined

• Your bank already sends you the story of your spending through SMS.

• PennyWise simply brings that story to life.

• By instantly transforming text notifications into a visual financial map, it eliminates the chore of manual entry while keeping your data strictly where it belongs: in your hands.

Effortless Automation

• Converts every bank alert and payment notification into an organized transaction.

• Supports hundreds of financial institutions across dozens of countries and currencies.

• Works seamlessly with any payment app by reading standard bank messages.

• Maintains a real-time, searchable history of your financial life without you lifting a finger.

Intelligent Insights

• Visualizes spending patterns and month-on-month trends to help you grow.

• Identifies forgotten subscriptions and recurring costs automatically.

• Empowers you with custom budgets and smart rules tailored to your lifestyle.

• Provides a clear perspective on where your money goes so you can plan for what matters.

Private and Powerful

• Features a built-in AI assistant that runs entirely offline for instant financial answers.

• Operates without accounts, cloud uploads, or data harvesting.

• Built on open-source code, ensuring total transparency and verified security.

• Guarantees that your sensitive financial information never leaves your device.

Purpose-Driven Design

• Core features are free to use, offering a premium experience to everyone.

• Optional Pro tools provide advanced data exports and custom management for power users.

• Directly supports independent, solo development focused on user privacy.

• Designed for those who want total control over their money without the burden of data entry.

FAQ

Q: Do I need to manually log my transactions in the app?

A: Not at all, as that is the beauty of PennyWise. The app is built to eliminate the chore of manual entry entirely. By securely reading the payment notifications and SMS alerts sent by your financial institutions, it automatically organizes and logs your transactions the second they happen. You just live your life, and the app takes care of building your financial history in the background.

Q: How does PennyWise automatically capture my financial transactions?

A: The app works by parsing standard incoming bank messages and text notifications on your phone. Whenever you make a purchase and receive an alert from your bank or payment app, PennyWise instantly translates that text into structured data. It recognizes details like the amount spent, the merchant name, and the currency, placing them directly into your financial map.

Q: Is my sensitive financial and personal data safe with PennyWise?

A: Your privacy is our absolute highest priority. PennyWise operates entirely on your device, meaning your transaction history, account details, and personal information never leave your phone. There are no cloud uploads, no external servers, and absolutely no data harvesting. Because the app is also built on verified open-source code, you can trust that your sensitive financial life remains strictly in your hands.

Version History

v2.18.1——17 Aug 2026

Track expenses automatically with PennyWise, the private SMS expense tracker. Manage budgets offline with zero manual data entry. Download the latest version of PennyWise: SMS Expense Tracker to enjoy new features and updates immediately!

*2.18.1

Minor bug fixes and improvements. Install or update to the newest version to check it out!

*2.17.1

Minor bug fixes and improvements. Install or update to the newest version to check it out!

*2.17.0

Minor bug fixes and improvements. Install or update to the newest version to check it out!