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PennyWise
Private expense tracker from bank SMS, AI runs on-device
PennyWise turns the bank/UPI SMS you already get into an automatic expense timeline. Parsing, storage and the AI assistant all run on your phone: no login, no bank linking, no analytics. New since last launch: an iOS app, 157 banks across 24 countries, PDF statement import, and a faster on-device Qwen model. Open source (AGPL) and free, with everything unlocked in the F-Droid build.
Hey Product Hunt! I'm Sarim, the maker.
I wanted to track my UPI spending, but every app I tried wanted my bank login or uploaded my transactions somewhere. Then it hit me: my bank already texts me every transaction. So I built PennyWise to read those SMS and turn them into a proper expense timeline, entirely on the phone.
Since the last launch it's grown a lot: an iOS app, 157 banks across 24 countries, PDF statement import, and an on-device AI (Qwen) you can ask things like "how much did I spend on food last month?". Still no accounts, no cloud, no analytics, and the whole thing is open source.
If your bank's SMS isn't picked up, tell me in the comments and I'll add it. Would love your feedback!
About PennyWise on Product Hunt
“Private expense tracker from bank SMS, AI runs on-device”
PennyWise was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #146 on the daily leaderboard. PennyWise turns the bank/UPI SMS you already get into an automatic expense timeline. Parsing, storage and the AI assistant all run on your phone: no login, no bank linking, no analytics. New since last launch: an iOS app, 157 banks across 24 countries, PDF statement import, and a faster on-device Qwen model. Open source (AGPL) and free, with everything unlocked in the F-Droid build.
On the analytics side, PennyWise competes within Android, Open Source, Privacy, GitHub and Personal Finance — topics that collectively have 182.2k followers on Product Hunt. The dashboard above tracks how PennyWise performed against the three products that launched closest to it on the same day.
Who hunted PennyWise?
PennyWise was hunted by Sarim Ahmed. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of PennyWise including community comment highlights and product details, visit the product overview.
Sarim Ahmed