Pennywise - ExpenseTracker

Take control of your money without giving up your privacy. PennyWise is a simple, privacy-first expense and income tracker that keeps your financial records on your device. No account is required for everyday tracking, and AI is completely optional. TRACK YOUR MONEY • Add, edit and delete expenses and income • Organize transactions by category, payment method, date and notes • Search your records and filter expenses or income • See monthly income, spending and balance at a glance • Explore a calendar view with daily totals and transaction details • Understand your spending with category reports and visual charts • Use MMK, USD, EUR, SGD, THB, JPY, CNY or KRW OPTIONAL AI VOICE ENTRY Record transactions naturally by voice and let PennyWise prepare the details for you. Speak in Burmese, English or another supported language, then review and edit every suggested entry before saving. You stay in control—AI never changes your records without confirmation. Bring your own API key and choose OpenAI, Google Gemini, xAI Grok or a compatible custom provider. Your key is encrypted on your device. Standard manual tracking works without AI. PRIVACY BY DESIGN • Financial records and calculations stay on your device • Your transaction database is not shared with an AI provider • Voice details are sent only when you use the assistant and only to your selected provider • Temporary voice recordings are deleted after processing • No developer backend and no mandatory account • Android platform backup is disabled SECURE BACKUP AND RESTORE Optionally protect your transactions with a passphrase-encrypted backup in your private Google Drive app storage. Your passphrase is never stored, and backups contain transaction records only—not your API keys or app settings. MADE FOR MYANMAR AND BEYOND Use PennyWise in English or Burmese, with MMK as the default currency and support for several major international currencies. Whether you are tracking daily purchases, household spending, salary or side income, PennyWise helps you understand where your money goes—privately and clearly.