PennyWise AI Expense Tracker vs Spenvo

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.

Your bank already texts you every time you spend. Spenvo turns those texts into your expense list for you, after a one-time setup, and keeps everything on your iPhone. No typing. No bank login. Every expense tracker asks the same thing of you: open the app and type in what you just bought. Almost nobody keeps that up. The person who built Spenvo never lasted a week. Your bank, meanwhile, already sends the most honest record of your spending there is: a text the moment money leaves your account, with the merchant, the amount and the time. Spenvo is built around that text. HOW IT WORKS Spenvo can't read your messages by itself; iOS doesn't allow it. So you add a ready-made Shortcuts automation from inside the app and switch it on. That takes a minute, once. From then on every bank text is handed to Spenvo and filed as an expense. You do nothing. Spenvo knows a purchase from a refund, an incoming credit, a failed payment, a one-time passcode or a card-bill payment, and leaves those out. Only money that actually left your account is counted. Every message is read on your iPhone. Several banks in the UAE and India work on any iPhone. For other banks Spenvo uses Apple Intelligence, which needs an iPhone 15 Pro or later with it switched on. Banks that send app notifications instead of texts work through a notification automation. FOR EVERYTHING ELSE • Scan a receipt. Point the camera and Spenvo reads the merchant, the date and the total. The photo stays with the entry. • Tell Siri. Say "Add expense to Spenvo". Siri asks how much and where. • Type it in. For cash, or anything else. Merchant, amount, category, done. SEE WHERE IT WENT Reports opens on six months of spending, so the first thing you see is whether this month is unusual. Tap a month to break it down by category or merchant. Spend in more than one currency and each stays in its own; Spenvo has no exchange rates and won't invent them. NOTHING LEAVES YOUR IPHONE No account, no server, no analytics or ads, no third-party code. Your expenses and receipt photos are stored on your iPhone, not on any server of ours. We couldn't look at your spending if we tried. Export a CSV or a full backup whenever you like. Delete the app and the data goes with it. That also means no sync between devices. Your expenses live on the iPhone you log them on. FREE FOR 30 EXPENSES A MONTH That covers every way of adding an expense, and resets each calendar month. Premium removes the limit, as a yearly subscription or a one-time lifetime purchase. Your expenses, exports and backups always stay available, on the free plan too. Requires iOS 27 or later. iPhone only. Terms of Use (EULA): https://spenvo.app/terms Privacy Policy: https://spenvo.app/privacy