PennyWise
PennyWise is a free, open-source budget and finance app for Android and iOS. Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up. It has 569 GitHub stars and is released under the AGPL-3.0-only license, and you can install it from F-Droid, Google Play and the App Store.
github.com/sarim2000/pennywiseai-tracker (opens in a new tab)
About PennyWise
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.
Privacy and F-Droid
F-Droid builds PennyWise from its published source code and flags anti-features such as ads, tracking or reliance on non-free services.
No anti-features flagged on the latest F-Droid build.
Screenshots
Screenshots from the app's F-Droid listing.
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What is PennyWise?
PennyWise is a free, open-source budget and finance app for Android and iOS. Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up. It has 569 GitHub stars and is released under the AGPL-3.0-only license, and you can install it from F-Droid, Google Play and the App Store.
Is PennyWise free and open source?
Yes. PennyWise's source code is public on GitHub under the AGPL-3.0-only license, which is OSI-approved or FSF-free. F-Droid, which builds it from source, flags no anti-features such as ads or tracking on its latest build.
How do I install PennyWise?
You can install PennyWise from F-Droid (package com.pennywiseai.tracker), from Google Play and from the App Store; the links are on this page. Its GitHub repository also publishes releases (latest: v2.21.0).
Is PennyWise still maintained?
The repository's most recent commit was on Oct 7, 2026. Its F-Droid listing was last updated on Sep 28, 2026. appsgit only lists apps whose repository had a commit in the last six months.