
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.
Stars: 130

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:
Turn bank SMS into a clean, searchable money timeline with on-device AI assistance. 100% private, no cloud processing.
⭐ Star us on GitHub — join 100+ supporters!
For Android users in India who want automatic expense tracking from bank SMS — clean categories, subscription detection, and clear insights.
- Grant SMS permission (read‑only). No inbox changes, no messages sent.
- PennyWise parses transaction SMS, extracts amount, merchant, category, and date.
- View analytics, subscriptions, and the full transaction timeline — with on-device AI assistant for insights.
- 🤖 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
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 →
All processing happens on your device using MediaPipe's LLM. Your financial data never leaves your phone. No servers, no uploads, no tracking.
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Home | Analytics | AI Chat | Subscriptions | Transactions |
# 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
- Android 12+ (API 31)
- Android Studio Ladybug or newer
- JDK 11
Architecture: MVVM • Jetpack Compose • Room • Coroutines • Hilt • MediaPipe AI • Material Design 3
- Discord: Join the community, share feedback, and get help — Join Discord
- Issues: Report bugs or request features — Open an issue
See CONTRIBUTING.md for guidelines.
Please read our Code of Conduct before participating.
./gradlew test # Run tests
./gradlew ktlintCheck # Check style
Please review our Security Policy for how to report vulnerabilities.
Thanks goes to these wonderful people (emoji key):
Lucifer1590 👥 🐛 📓 |
This project follows the all-contributors specification. Contributions of any kind welcome!
MIT License - see LICENSE
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