PennyWise recognises transaction messages from 3 banks and payment services in El Salvador, and tracks everything in USD ($) without you entering a single amount by hand.
Your bank already sends an SMS for every transaction. PennyWise reads those messages on your device, extracts the amount, merchant, account and balance, and files each one into a searchable timeline with budgets and spending trends on top.
There is no account to create and no bank login to hand over. Parsing runs offline, and the source code is public under AGPL-3.0.
3 banks and payment services, listed in full on this page. If yours is missing you can report it and a parser can usually be added from a couple of sample messages.
Yes. El Salvador transactions are tracked in USD ($), and PennyWise handles multiple currencies at once without ever adding them together.
No. Reading messages, categorising transactions and the built-in AI assistant all run on the phone itself, so it works offline.
The app is free. An optional Pro upgrade adds PDF statement imports, CSV export, unlimited custom rules and duplicate-account merge.
