PennyWise AI Expense Tracker

Budget & private money manager

Free · Designed for iPad. Not verified for macOS.

Track every expense, privately. Your spending, budgets and insights stay 100% on-device — no accounts, no cloud, no ads. Add expenses fast or import a bank statement. PennyWise is a private expense tracker and budget app that keeps your money — and your data — entirely on your device. No accounts. No cloud. No tracking. No ads. Add expenses in seconds, import your bank statements, and watch a clean, categorized timeline of where your money goes — with budgets, trends, and insights that never leave your iPhone. Why PennyWise • 100% on-device & private — your data never leaves your phone • No sign-up, no accounts — open the app and start • Import statements — bring in Google Pay & PhonePe PDF statements • Smart analytics — spending trends, category breakdowns, top merchants • Budgets — set limits per category, with custom monthly cycles • Subscription tracking — keep an eye on recurring payments • Smart rules — auto-categorize your transactions • Multi-currency support • Beautiful dark mode • Open source (AGPL-3.0) Expense tracking, your way Add income and expenses fast, or import a statement to backfill your history. Every transaction lands in a searchable, categorized timeline — a spending tracker that's always up to date. Budgets that fit real life Set category budgets and track progress at a glance. Custom cycle start days mean your "month" can begin on payday, not the 1st. Private by design All processing happens on your device — no servers, no API calls, nothing leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does. Free & open source PennyWise is completely free, with no ads and no in-app purchases. The full source is open (AGPL-3.0). Download PennyWise for private, effortless expense tracking and budgeting.

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What's new in 1.1: • Import slice small finance bank statement PDFs — including multi-page statements, with pot transfers and round-ups tracked as transfers, not spending • Open any statement PDF with PennyWise straight from Files, Mail, or a share sheet • New quick-action button on Home: add a transaction or import a statement in one tap • Choose your display currency in Settings (plus new currencies: ARS, CLP, UYU) • Smarter Analytics: income vs expenses with a trend against the previous period, and tap any category or merchant to see its transactions • Cleaner transaction filters — one compact row of dropdown chips • Accuracy fixes: transfers no longer count as spending in totals or budgets, and Smart Rules now auto-categorize statement imports

Version 1.1

The developer, sarim ahmad, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • sarim ahmad
    Size
    • 8.2 MB
    Category
    • Finance
    Compatibility
    Requires iOS 16.0 or later.
    • iPhone
      Requires iOS 16.0 or later.
    • iPad
      Requires iPadOS 16.0 or later.
    • Mac
      Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    • English
    Age Rating
    4+
    Copyright
    • © 2026 Sarim Ahmed
  • Privacy Policy