# PennyWise AI Expense Tracker — Budget & private money manager

> Budget & private money manager (iPhone/iPad app by sarim ahmad.)

- Source: https://appshunter.io/ios/app/pennywise-ai-expense-tracker/id6793073167 (this page in markdown: same URL + `.md`)
- Developer: [sarim ahmad](https://appshunter.io/developer/6775053791)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.0 · 8 MB
- Languages: American English
- Released: 2026-08-03
- Data updated: 2026-08-14
- User reviews in markdown: https://appshunter.io/ios/app/pennywise-ai-expense-tracker/id6793073167/reviews.md

## What is PennyWise AI Expense Tracker?

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.


## Version history (last 2 releases)

### 1.1 — 2026-08-09

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

### 1.0 — 2026-08-03

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-14.*