sarim2000/pennywiseai-tracker

What it solves

PennyWise AI is a privacy-first expense tracker that eliminates the manual effort of logging expenses. It solves the problem of tedious financial tracking by automatically converting bank transaction SMS notifications into a structured, searchable money timeline without requiring users to create accounts or upload data to external servers.

How it works

The app requests read-only access to the user's SMS inbox to detect incoming bank messages in real-time. It uses a built-in parsing engine supporting 156 banks across 24 countries to extract the amount, merchant, and date. For advanced insights, it utilizes an on-device LLM (Qwen 2.5 via Google AI Edge LiteRT-LM) that allows users to query their spending habits locally on their phone.

Who it’s for

It is designed for Android users who want an automated way to track their spending across multiple bank accounts and currencies while maintaining absolute data privacy.

Highlights

• 100% On-Device AI: All AI processing and transaction storage happen locally; no financial data is sent to a server.
• Zero Setup: Works instantly upon granting SMS permissions with no account creation required.
• Smart Rules Engine: Allows users to create custom "When/Then" logic to auto-categorize, modify, or block specific transactions.
• Broad Bank Support: Supports 156 banks across 24 countries with native multi-currency management.
• Comprehensive Analytics: Includes budget tracking, subscription detection, and visual charts (heatmaps, line trends, etc.).