Launched January 6, 2026
PennyWise AI
Turn bank SMS into a clean, searchable money timeline with on-device AI assistance. 100% private, no cloud processing.
FreeOpen SourceAI343 impressions#1732 of its week
PennyWise automatically reads transaction SMS messages and transforms them into organized financial data with on-device AI assistance. No manual entry, no cloud processing, complete privacy.
PennyWise AI reads bank SMS on-device, turning messages into a searchable financial timeline with full privacy.
- for
- Mobile users who want automated expense tracking without cloud services.
- pricing
- open source
- license
- AGPL-3.0
- v2.21.0Release v2.21.020 days ago
- v2.20.0Release v2.20.0a month ago
- v2.19.0Release v2.19.02 months ago
works withAndroidKotlin
Key features
5 features of PennyWise AI
- Automatic SMS parsing — Detects and extracts transaction details from bank SMS messages.
- On-device AI assistance — Processes data locally using an embedded LLM, no cloud required.
- Searchable money timeline — Organizes transactions into a chronological view you can search.
- Full privacy — All data stays on the device; nothing is sent to external servers.
- No manual entry — Eliminates the need to type or copy-paste transaction information.
Use cases
- Quickly view spending history from SMS notifications
- Generate expense reports without manual data entry
- Categorize transactions for budgeting
- Audit past transactions for tax or compliance
- Export organized financial data for other tools
PennyWise AI FAQ
How does PennyWise ensure my data stays private?+
All processing, including AI inference, runs on the device; no data is uploaded to any server.
Do I need an internet connection to use the app?+
No, the app works fully offline after installation.
What types of bank messages are supported?+
It parses standard transaction SMS formats from supported banks; new formats can be added via updates.
Can I export the organized data?+
Yes, the app provides options to export the timeline for use in other finance tools.
Is there a cost to use PennyWise AI?+
The project is open source and free to use.
Summarized by DevHunt from github.com · Oct 8, 2026. Details may change; check the official site.
