PennyWise
Private expense tracker from bank SMS, AI runs on-device
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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.
PH · launched Sep 27, 2026 · 2 upvotes (top 26%) · 0 views
Niche: personal expense tracking apps · 169 launches, 16 in the last 7 days ▼ -24% · Explore this niche →
Category and tags
- Fintech
- Analytics & BI
- B2C
- AI feature
- Commercial product
- Android
- Open Source
- Privacy
- GitHub
- Personal Finance
Visit website ↗ Source listing ↗
More like this: all 169 launches in personal expense tracking apps →
Could you build this?
Partial While an expense tracking UI is simple, integrating an on-device LLM and maintaining accurate extraction logic for 157 banks across 24 countries from messy SMS and PDF formats requires substantial edge ML and parsing engineering.
What it would actually take: A native mobile app using MLC-LLM, llama.cpp, or ExecuTorch to run a quantized Qwen model on mobile NPU/GPU, alongside a vast regular expression and heuristic engine. The hardest part is sourcing, testing, and maintaining parsing templates for 157 international bank formats and complex tabular PDF statements while keeping mobile memory usage within tight OS limits. Requires expertise in edge AI deployment, mobile performance optimization, and document parsing.
Competitors
Other products that read as similar to this one : 298 launches clear the similarity bar, closest 8 shown.
Attention rank: #98 of 299 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 202 days after the earliest competitor.
- Penny - On Device Money Friend · ph · 2026-09-17 · 2 upvotes · similarity 0.58
- Fundstash · ph · 2026-10-18 · 1 upvotes · similarity 0.58
- Budget AI - Modern Expense Tracker · ph · 2026-10-19 · 1 upvotes · similarity 0.53
- Pennywick: Budget & Receipts · ph · 2026-09-12 · 2 upvotes · similarity 0.52
- SpendSmart AI · ph · 2026-09-29 · 3 upvotes · similarity 0.52
- MoneyBook · ph · 2026-10-29 · 1 upvotes · similarity 0.50
- FinPilot – AI Expense Tracker · ph · 2026-09-13 · 2 upvotes · similarity 0.49
- Nickel · ph · 2026-10-09 · 1 upvotes · similarity 0.49
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