pennywiseai-tracker

pennywiseai-tracker

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.

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PennyWise AI Tracker is a free and open-source expense tracker that uses on-device AI to turn bank SMS into a clean and searchable money timeline. It offers smart SMS parsing, clear insights, subscription tracking, on-device AI assistant, auto-categorization, data export, and supports major Indian banks. All processing happens on the user's device for privacy. The tool is designed for Android users in India who want automatic expense tracking from bank SMS, with clean categories, subscription detection, and clear insights.

README:

PennyWise AI Banner GitHub stars License Android Kotlin Privacy Downloads F-Droid GitHub release GitHub last commit Discord

PennyWise AI — Free & Open‑Source, private SMS‑powered expense tracker

Turn bank SMS into a clean, searchable money timeline with on-device AI assistance. 100% private, no cloud processing.

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Overview

For Android users in India who want automatic expense tracking from bank SMS — clean categories, subscription detection, and clear insights.

Get it on Google Play Get it on F-Droid

How it works

  1. Grant SMS permission (read‑only). No inbox changes, no messages sent.
  2. PennyWise parses transaction SMS, extracts amount, merchant, category, and date.
  3. View analytics, subscriptions, and the full transaction timeline — with on-device AI assistant for insights.

Why PennyWise

  • 🤖 Smart SMS Parsing - Automatically extracts transaction details from Indian bank SMS
  • 📊 Clear Insights - Analytics and charts to instantly see where money goes
  • 🔄 Subscription Tracking - Detects and monitors recurring payments
  • 💬 On-device AI Assistant - Ask questions like "What did I spend on food last month?" locally
  • 🏷️ Auto‑Categorization - Clean merchant names and sensible categories
  • 📤 Data Export - Export as CSV or PDF for taxes or records

Supported Banks

Currently supporting major Indian banks:

  • HDFC Bank
  • State Bank of India (SBI)
  • ICICI Bank
  • Axis Bank
  • Punjab National Bank (PNB)
  • IDBI Bank
  • Indian Bank
  • Federal Bank
  • Karnataka Bank
  • Canara Bank
  • Bank of Baroda
  • Jio Payments Bank
  • Jupiter (CSB Bank)
  • Amazon Pay (Juspay)

More banks being added regularly! Request your bank →

Privacy First

All processing happens on your device using MediaPipe's LLM. Your financial data never leaves your phone. No servers, no uploads, no tracking.

Screenshots

Home Analytics AI Chat Subscriptions Transactions

Quick Start

# Clone repository
git clone https://github.com/sarim2000/pennywiseai-tracker.git
cd pennywiseai-tracker

# Build APK
./gradlew assembleDebug

# Install
adb install app/build/outputs/apk/debug/app-debug.apk

Requirements

  • Android 12+ (API 31)
  • Android Studio Ladybug or newer
  • JDK 11

Tech Stack


Architecture: MVVM • Jetpack Compose • Room • Coroutines • Hilt • MediaPipe AI • Material Design 3

Community & Support

  • Discord: Join the community, share feedback, and get help — Join Discord
  • Issues: Report bugs or request features — Open an issue

Contributing

See CONTRIBUTING.md for guidelines.

Please read our Code of Conduct before participating.

./gradlew test          # Run tests
./gradlew ktlintCheck   # Check style

Security

Please review our Security Policy for how to report vulnerabilities.

Contributors ✨

Thanks goes to these wonderful people (emoji key):

Lucifer1590
Lucifer1590

👥 🐛 📓

This project follows the all-contributors specification. Contributions of any kind welcome!

License

MIT License - see LICENSE


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