Private expense tracker & budget app — auto-reads bank SMS, on-device AI.
About this app
PennyWise is a private expense tracker and budget app that turns your bank SMS into an automatic money timeline — powered by on-device AI. No manual entry, no accounts, no cloud.
Your bank already texts you every transaction. PennyWise reads those SMS locally and instantly tracks your spending, so expense tracking, budgeting, and money management happen with zero setup.
★ Why PennyWise • 100% on-device & private — AI runs locally, nothing leaves your phone • Zero setup — grant SMS permission and it works instantly, no sign-up • On-device AI assistant — ask "what did I spend on food?" (powered by Qwen 2.5) • 90+ banks across 16 countries, multi-currency • Smart analytics — spending trends, category breakdowns, insights • Budgets — set limits per category and track progress • Subscription detection — automatically finds recurring payments • Smart rules — auto-categorize transactions your way • Dark mode, no ads, no tracking • Open source (AGPL-3.0)
★ Expense tracking on autopilot PennyWise is the money manager for people who hate manual entry. Every bank SMS becomes a categorized transaction in a clean, searchable timeline — a spending tracker that's always up to date.
★ Private by design All AI processing happens on your device. No servers, no API calls, no data leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does.
★ Free, with optional Pro PennyWise is free to use. An optional PennyWise Pro upgrade unlocks power-user extras — unlimited custom rules, PDF statement imports, CSV export, and duplicate-account merge — and directly supports a solo developer building PennyWise independently.
Download PennyWise and turn your bank SMS into effortless, private expense tracking.
Licensed under AGPL-3.0-only, by Sarim.
What's New in v2.17.0
Imported from the F-Droid repository index.
- • Added Nations Trust Bank and National Savings Bank (Sri Lanka), bKash (Bangladesh), six Nepal banks, Kerala Bank, NSDL Payments Bank, and Jana Small Finance Bank (India)
- • Added Arab Bank covering Egypt (EGP) and Jordan (JOD/USD, including 3-decimal currencies), Bankino and blu Bank (Iran, Persian SMS), and Jaiz Bank and Opay (Nigeria)
- • Added NMB Bank Tanzania, Diamond Trust Bank (DTB) Tanzania, and Mixx by Yas (Tanzania) mobile wallet
Version history
Jul 10, 2026 · 44 MB · Android API 26–36 · code 99
Imported from the F-Droid repository index.
- • Added Nations Trust Bank and National Savings Bank (Sri Lanka), bKash (Bangladesh), six Nepal banks, Kerala Bank, NSDL Payments Bank, and Jana Small Finance Bank (India)
- • Added Arab Bank covering Egypt (EGP) and Jordan (JOD/USD, including 3-decimal currencies), Bankino and blu Bank (Iran, Persian SMS), and Jaiz Bank and Opay (Nigeria)
- • Added NMB Bank Tanzania, Diamond Trust Bank (DTB) Tanzania, and Mixx by Yas (Tanzania) mobile wallet
SHA-256 1256daaa655c724f4e7e44b911b03dfcf46d860a8d1084b99830caa03d778053
Jun 18, 2026 · 45.8 MB · Android API 26–36 · code 98
Imported from the F-Droid repository index.
- • Added support for Access Bank, Zenith Bank, and Keystone Bank (Nigeria) — SMS transactions from these banks are now parsed automatically
- • Added support for CRDB Bank (Tanzania), including Tanzanian Shilling (TZS) currency
- • Type-aware budgets: you can now create a budget that tracks a specific transaction type (e.g. all subscriptions or all transfers) instead of just a category
SHA-256 1822aa64762bca2d19bd8b4e95d1366a6acb98d187dc7205d67045abbca4cbf5
Jun 10, 2026 · 45.7 MB · Android API 26–36 · code 97
Imported from the F-Droid repository index.
- Here are the release notes:
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- What's New in v2.15.60
- • New bank support: Emirates Islamic (UAE), Mellat Bank, plus M-Pesa, eMola & Millennium BIM (Mozambique)
- • Group, filter & nickname your accounts in Transactions and Analytics
- • Smarter loan tracking — unmark a transaction as a loan anytime, with more accurate balances
SHA-256 cf44803a3b88b5c01a66817e65e8c1588cebac6d56ad7af6f8168c12108df17f
Will it run on your device?
92%
- Runs on a broad range of modern Android versions.
- Multiple CPU architectures are covered.
- Aligned with the latest Android target SDK expectations.
Installation Guide
Open Settings on your Android device
Go to Security → Unknown sources (or Install unknown apps)
Enable "Allow from this source" for your browser or file manager
Open the downloaded APK file from your Downloads folder
Tap "Install" and wait for installation to complete
Launch the app from your home screen
Make sure to re-enable Unknown Sources restrictions after installation for security.
How to install this safely
How to verify the file you downloaded
Before you install anything, confirm the file is the one described here. On a computer, run shasum -a 256 your-download.apk (macOS or Linux) or certutil -hashfile your-download.apk SHA256 (Windows), then compare the output character-for-character with the SHA-256 on this page. If a single character differs, the file is not the build we recorded — delete it.
What the signing certificate proves
Every Android app is signed with a private key that only its developer holds. The fingerprint on this page is a hash of the matching public certificate, and it proves continuity rather than identity: it tells you a build came from whoever signed the earlier ones. Android enforces this at install time — if a package claiming to be com.pennywiseai.tracker is signed with a different key, the system will refuse to install it over your existing copy. A fingerprint that changes between releases is worth pausing on, because a repackaged app that has been modified by someone else cannot keep the original signature.
How to roll back to an earlier version
If the current release misbehaves, 2.16.0 is the last build before it. Android will not install an older version code over a newer one, so you must uninstall PennyWise AI - Expense Tracker first — which clears its local data unless you have a backup. Reinstall the older APK only if its signing fingerprint matches the build you already trust, and check the API range: an older release may target an Android version your device has moved past.
Why we list sources instead of hosting everything
The official store channel is almost always the right choice: it updates automatically and carries the publisher's own distribution guarantees. A direct APK is useful when a device has no store access, when a rollout has not reached your region, or when you need a specific version — and only when the publisher has authorized that copy. APKBrowse does not list pirated, cracked, or unauthorized rebuilds of PennyWise AI - Expense Tracker, and a listing is removed when the evidence for it stops holding up.
Get PennyWise AI - Expense Tracker
Every source we list for com.pennywiseai.tracker is legality-reviewed. Pirated or cracked builds are never offered.
Other sources
F-Droid listing
officialF-Droid builds this app from source and signs it. This is its official listing, with older builds and full release notes.
Source code
verified publisherThe upstream repository this build is compiled from.
We check legality and signature continuity, but device behaviour still varies. Install at your own discretion.
App Information
Security Verification
We record provenance; we do not run malware scans. Verify the hash yourself before installing.
SHA-256 Hash
1256daaa655c724f4e7e44b911b03dfcf46d860a8d1084b99830caa03d778053
Signing certificate
235d652b2012fd70cfd6b4919f2e665e684a3a14998ddd286ffd077eed4c1702
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Previous Versions
The signing certificate fingerprint for this release is on record, so a build that does not match it did not come from this publisher.
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