PennyWise: SMS Expense Tracker

8 Downloads 14 Views v2.2 44.16 MB 4.1+

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(44.16 MB)

Editor's Overview

PennyWise: SMS Expense Tracker is a ai chat application developed by Sarim, packaged as a single Android APK of version 2.2 weighing in at 44.16 MB. The package targets Android 4.1+ and above. Below you'll find the publisher's own description, a quick spec sheet, and a short buyer-beware checklist so you know exactly what you're installing before tapping download.

Install Checklist

Only download through the button on this page — never from third-party mirrors or shortened links, which are the most common way malware spreads.
File size is a light 44.16 MB, so it installs quickly even on modest connections.
This build is signed by "Sarim" — always verify the developer name matches what's listed on the app's official store page before installing an update.
After install, Android may prompt you to allow "Install from unknown sources" — approve only this one install, then revoke the permission in Settings > Apps > Special access.
We link directly to the APK file or the publisher's repository; we do not modify the binary. Always run a virus scan after any sideloaded install.

About this app

Your bank already texts you every transaction. PennyWise reads those SMS on your phone and turns them into an automatic expense tracker — no manual entry, no sign-up, nothing uploaded.

★ Why PennyWise asks for SMS permission
Reading bank SMS is how the app works — it is the entire product. Everything happens on your device: no server ever receives a message, there is no account to create, and the complete source code is public (AGPL-3.0) so anyone can verify exactly what it does. Would rather not grant it? You can still add transactions by hand or import a PDF statement.

★ Automatic expense tracking
• Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction
• 144 banks and payment services across 23 countries, with multi-currency support
• Works with any UPI app — it reads your bank's SMS, not the app
• A clean, searchable spending timeline that stays up to date on its own

★ Budgets and insights
• Set monthly budgets per category and watch progress as you spend
• Spending trends, category breakdowns and month-on-month comparisons
• Automatic subscription detection — finds the recurring payments you forgot about
• Smart rules to auto-categorize transactions your way

★ On-device AI assistant
Ask "what did I spend on food last month?" and get a real answer. The AI model (Qwen 2.5) runs locally on your phone — no API calls, no cloud, works offline.

★ Private by design
• No account, no login, no email required
• No ads, no trackers, no analytics on your financial data
• Nothing leaves your device
• Open source (AGPL-3.0) — read the code yourself

★ Free, with an optional Pro upgrade
PennyWise is free to use. Where in-app purchases are available, an optional Pro upgrade adds unlimited custom rules, PDF statement imports, CSV export and duplicate-account merge — and directly supports a solo developer building PennyWise independently. Builds distributed without in-app purchases have all of it unlocked from the start.

A money manager, budget planner and spending tracker in one — for people who hate typing in expenses.

Details

Version	v2.2
Size	44.16 MB
Developer	Sarim
Category	AI Chat
Package	com.pennywiseai.tracker
Android	4.1+
Last Updated	Oct 29, 2026
Downloads	8

Frequently Asked Questions

Is PennyWise: SMS Expense Tracker free to download?
Yes. The APK file linked from this page is free. The developer may offer in-app purchases once installed, but obtaining the installer itself costs nothing.

What Android version does PennyWise: SMS Expense Tracker require?
Android 4.1+ or newer. Installing on older devices may cause crashes or refuse to install.

Is PennyWise: SMS Expense Tracker safe to install?
We link to the exact APK published by Sarim. We do not modify the file. Still, as with any sideloaded app, scan it with a reputable antivirus before opening it, and only grant permissions the app genuinely needs.

How do I update PennyWise: SMS Expense Tracker?
Install the newer version on top of the old one — Android will keep your data. If the signature differs, uninstall first (you may lose local progress).

Why is the app not installing?
Common causes: not enough storage, an older Android version than 4.1+, or a conflicting build already installed. Free up space, check your OS version, and uninstall any previous copy before retrying.

How to Download & Install PennyWise: SMS Expense Tracker

Tap the Download APK button above and save the file to your device.
Open your device Settings → Security (or Apps → Special access → Install unknown apps) and allow your file manager or browser to install unknown apps for this one file only.
Open the downloaded com.pennywiseai.tracker.apk file from your Downloads folder.
Tap Install and wait for Android to finish.
Open «PennyWise: SMS Expense Tracker» by Sarim and grant only the permissions it actually needs.
Revoke the "unknown sources" permission once you are done installing.

Note: this page hosts or links to the installer only. The application name, icon and description are provided for identification. All trademarks belong to their respective owners.