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Step-by-step guides for every part of PennyWise, with screenshots.

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Set up PennyWise

Give it SMS access and it builds your history from the bank messages already on your phone.

5 steps

Find your way around

Home, the four tabs, and what each button does.

5 steps

Free vs Pro

Almost everything is free. Pro lifts a few limits and pays for new banks and features.

2 steps

Everyday

Add a transaction yourself

For cash, or a bank PennyWise can't read yet.

5 steps

Find and edit transactions

Search and filter, fix one, or change many at once.

5 steps

See where your money goes

Totals, trends, top categories and merchants for any period.

2 steps

Ask the AI about your spending

An assistant that runs entirely on your phone. Nothing you ask leaves it.

3 steps

Plan ahead

Set a monthly budget

Set limits by category and see what's left, with a daily allowance.

3 steps

Track subscriptions

Netflix, Spotify, rent: see what's due next and the monthly total.

3 steps

Auto-add a regular cash payment

For money you pay on a schedule that no SMS will report.

3 steps

Lent and borrowed money

Track money you lend to friends and money you borrow, including partial repayments.

6 steps

Total up a trip or event

Collect a holiday or a wedding under one name to see what it cost.

2 steps

Organise

Fix wrong categories for good

Correct one, then add a rule so it never happens again.

4 steps

Accounts and balances

Fix a balance that's off, or add cash and wallets.

3 steps

Use more than one currency

Every amount keeps its currency. Rupees and dollars are never added together.

2 steps

Make it yours

Theme, app lock, widgets and the rest of Settings.

1 screen

Your data

Back up and move to a new phone

There's no cloud, so a backup file is your only copy outside the phone.

2 steps

Import a PDF statement

Bring in history from Google Pay, PhonePe, Paytm, slice or ICICI Bank.

2 steps

Export to Excel

Get your transactions into Sheets or Excel as a CSV.

2 steps

Use Claude, ChatGPT or the dashboard

Ask Claude or ChatGPT about your spending, or see it on a computer. Your data is stored only on your phone; each answer is sent to the app that asked.

4 steps

Still stuck?

The questions people ask most, with fixes.

All troubleshooting

Ask a person. Other PennyWise users and the developer answer on Discord.

Ask on Discord Report a bug