{"package_name":"com.pennywiseai.tracker","name":"PennyWise: SMS Expense Tracker","summary":"Auto-track UPI & bank SMS. Private expense tracker and budget app, no sign-up.","category":"AI Chat","icon_url":"/api/icon/com.pennywiseai.tracker","latest_version_code":104,"latest_version_name":"2.20.0","apk_url":"/api/apk/com.pennywiseai.tracker","apk_size":46850582,"apk_sha256":"433a32927e1b1b476f0c7e8f1a682e557784614209c645c37f2702fdb711ce7a","source_kind":"fdroid-repo","repo_slug":"fdroid-main","last_updated":1790132417,"release_timestamp":1790060809,"description":"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.\n\n★ Why PennyWise asks for SMS permission\nReading 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.\n\n★ Automatic expense tracking\n• Every UPI payment, card swipe, ATM withdrawal and bank transfer becomes a categorized transaction\n• 157 banks and payment services across 24 countries, with multi-currency support\n• Works with any UPI app — it reads your bank's SMS, not the app\n• A clean, searchable spending timeline that stays up to date on its own\n\n★ Budgets and insights\n• Set monthly budgets per category and watch progress as you spend\n• Spending trends, category breakdowns and month-on-month comparisons\n• Automatic subscription detection — finds the recurring payments you forgot about\n• Smart rules to auto-categorize transactions your way\n\n★ On-device AI assistant\nAsk \"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.\n\n★ Private by design\n• No account, no login, no email required\n• No ads, no trackers, no analytics on your financial data\n• Nothing leaves your device\n• Open source (AGPL-3.0) — read the code yourself\n\n★ Free, with an optional Pro upgrade\nPennyWise 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.\n\nA money ma","categories":["AI Chat","Finance Manager"]}