PennyWise · House #23,922

What it is

Calls itself “expense tracker”.

• Calls itself: expense tracker

“Private expense tracker from bank SMS, AI runs on-device”

Where it puts itself

Rules out “analytics”, “bank linking” and “login”.

• Says it will not: analytics · bank linking · login

“…no login, no bank linking, no analytics.”

What it costs

One-time purchase, monthly subscription and yearly plan. A free tier, free forever. Prices quoted: ₹149/month, ₹2,000 lifetime, ₹699/year.

• One-time: yes
• Monthly: yes
• Yearly: yes
• Free plan: free forever
• Price: ₹149/month · ₹2,000 lifetime · ₹699/year

“Buy it on the website: pennywise.zynth.dev/pro — ₹2,000 lifetime, ₹699/year or ₹149/month, GST included, cards and UPI accepted.”

“Open source (AGPL) and free, with everything unlocked in the F-Droid build.”

Who it sells to

Sells to consumers.

• Sells to: consumers

“PennyWise turns the bank/UPI SMS you already get into an automatic expense timeline.”

How it runs

A mobile app for Android and iOS. Runs locally and works offline. Distributed through the App Store and Play Store. No API. Open source. AI is the core of the product.

• Kind: mobile
• Runs on: Android · iOS
• Runs where: on the device, offline
• Distributed via: App Store · Play Store
• API: no
• Open source: yes
• AI role: core to the product

“New since last launch: an iOS app, 157 banks across 24 countries, PDF statement import, and a faster on-device Qwen model.”

“Android 8.0+ (API 26)”

What it works with

Integrates with Google Play. Runs inside F-Droid and Google Play. Names Qwen on its pages.

• Integrates with: Google Play
• Runs inside: F-Droid · Google Play
• Names: Qwen

“Google Play services (Play Store build only)”

“PennyWise turns the bank/UPI SMS you already get into an automatic expense timeline.”

What it offers as proof

Live, no waitlist. Claims “157 banks across 24 countries”. Try it without signing up. Publishes docs.

• Number claimed: 157 banks across 24 countries
• Trial asks for: nothing

“Your bank already texts you every transaction — PennyWise turns those SMS into a private, zero-setup expense tracker with on-device AI. No accounts, no sign-ups, no effort.”

“New since last launch: an iOS app, 157 banks across 24 countries, PDF statement import, and a faster on-device Qwen model.”