Name: PennyWise: SMS Expense Tracker
Availability: InStock
Author: Sarim

01 / Overview

Is PennyWise: SMS Expense Tracker safe?

Your bank already texts you every transaction. PennyWise reads those SMS on your phone and turns them into an automatic expense tracker — no manual entry, no sign-up, nothing uploaded. ★ Why PennyWise asks for SMS permission Reading bank SMS is how the app works — it is the entire product. Everything happens on your device: no server ever receives a message, there is no account to create, and the…

Developer: Sarim
Category: AI Chat
Earliest archived version: 26 Aug 2026
License: AGPL-3.0-only (per F-Droid metadata)

02 / Release notes

Release notes from F-Droid

15 Oct 2026

2.22.0

Receipt photos are now included in backups • Import ICICI Bank PDF statements, including password-protected ones • Added support for Equity Bank (Kenya, KES) • Share any text or notification to PennyWise to open Add Transaction pre-filled • Configurable webhook sync lets you push transactions to…

Full notes →

28 Sept 2026

2.21.0

App is now fully translatable — per-app language switching and Crowdin integration are live, with fresh translations already applied • Loans are now listed by person, showing the net balance owed and a Settle up action • Ignoring an account now correctly hides all its transactions everywhere in the…

Full notes →

22 Sept 2026

2.20.0

Chat with PennyWise to add transactions from natural language — all processed on-device, nothing leaves your phone • On-device AI runs 3x faster and a crash that affected some devices is fixed • Sub-categories let you break spending into finer groups, with analytics that correctly filter and label…

Full notes →

03 / Package identity

Technical fingerprint

Application IDcom.pennywiseai.tracker

Latest APK SHA-256911f7c5a8d45667f4c4eb5fdc675f5c88d676dabc393396cc112ea6334dbc7f7

Signing certificate23:5D:65:2B:20:12:FD:70:CF:D6:B4:91:9F:2E:66:5E:68:4A:3A:14:99:8D:DD:28:6F:FD:07:7E:ED:4C:17:02

MIN ANDROID26TARGET36ARCHITECTUREarm64-v8a · armeabi-v7a

04 / History

Archive history

4 versions in WIKI archive: earliest 2.19.0 (26 Aug 2026), latest 2.22.0 (15 Oct 2026).

No change in android.permission.* between 2.21.0 and 2.22.0.

05 / Version archive

Documented releases

4 TOTAL

VersionReleasedAndroidArchitecture

2.22.015 Oct 202626+arm64-v8a, armeabi-v7a→2.21.028 Sept 202626+arm64-v8a, armeabi-v7a→2.20.022 Sept 202626+arm64-v8a, armeabi-v7a→2.19.026 Aug 202626+arm64-v8a, armeabi-v7a→

06 / Safety & access

Safety verdict

Authentic — file hash matches the source indexNo ads or tracking flagged by the source

IntegritySHA-256 verified vs source

SourceOpen-source · fdroid

Permissions12 declared · 3 sensitive

Signaturepresent

Anti-featuresNo known anti-features

Sensitive accessREAD_CONTACTSREAD_SMSRECEIVE_SMS

Declared permissions

android.permission.ACCESS_NETWORK_STATE android.permission.FOREGROUND_SERVICE android.permission.INTERNET android.permission.POST_NOTIFICATIONS android.permission.READ_CONTACTS android.permission.READ_SMS android.permission.RECEIVE_BOOT_COMPLETED android.permission.RECEIVE_SMS android.permission.USE_BIOMETRIC android.permission.USE_FINGERPRINT android.permission.WAKE_LOCK com.pennywiseai.tracker.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION

Tracker status: Not assessed by WIKI for Android.

07 / Sources

Evidence ledger

Each entry is a captured public reference backing this record.

RepositorySource package page↗Source codeSource repository↗