PennyWise AI

Track expenses automatically from bank SMS - no manual entry, complete privacy.

PennyWise AI transforms your unorganized bank SMS into a clean, searchable expense timeline using on-device AI. Your financial data never leaves your phone.

✨ KEY FEATURES

🤖 Automatic SMS Parsing
• Reads transaction SMS from 20+ banks
• Extracts amount, merchant, date automatically
• Smart categorization without manual input
• Works with credit, debit, and UPI transactions

🔒 100% Privacy Guaranteed
• All processing happens on-device using MediaPipe AI
• No cloud servers, no data uploads, no tracking
• Open-source code for complete transparency
• Read-only SMS access - we never send messages

💡 Smart Financial Insights
• AI assistant answers questions like "What did I spend on food?"
• Beautiful charts show spending patterns
• Automatic subscription detection
• Monthly and category-wise breakdowns

📱 Modern Material Design
• Material You dynamic theming (Android 12+)
• Smooth Jetpack Compose UI
• Full dark mode support
• Tablet-optimized layouts

🏦 Supported Banks
HDFC, SBI, ICICI, Axis, PNB, Kotak, IDBI, Federal, Karnataka, Canara, Bank of Baroda, Indian Bank, Jio Payments, Jupiter, IDFC First, Union Bank, HSBC, Central Bank, Utkarsh, Amazon Pay (via Juspay), and more added regularly.

🎯 Perfect For
• Privacy-conscious users wanting expense tracking
• Busy professionals tired of manual entry
• Anyone managing tight budgets
• Users seeking transparent, ad-free apps

📊 Additional Features
• Search and filter transactions instantly
• Works completely offline
• Spotlight tutorial for easy onboarding
• Auto-scan on app launch
• Regular updates with new banks
• Active Discord community

Why PennyWise AI?
Unlike other expense trackers that upload your sensitive data to servers, PennyWise processes everything locally. Get professional expense management without compromising privacy.

Requirements:
• Android 12 or higher
• SMS permission (read-only)
• 100MB storage

Free & Open Source
No ads, no subscriptions, no premium tiers. Forever free under MIT license.

Join our growing community of users who value privacy and simplicity in expense tracking.

Support & Feedback:
• GitHub: github.com/sarim2000/pennywiseai-tracker
• Discord: Join our community for help
• Email: Support available through GitHub issues