Ask your money anything.
PennyWise AI logs every UPI, card and bank payment on its own, then answers from your real numbers: where it went, what to cut, and what you can spend today.
- Free
- No card needed
- No bank login
Plus is ₹47.40/month for your first 3 months, after 7 days free
Every payment is small. The month isn’t.
UPI and cards made paying instant. They also made spending easy to stop noticing, so most people can't say where last month went. PennyWise AI can.
Day
0
Spent so far
₹0
A ₹40-a-day habit. One dot a day, one coin a month.
Ask. Get a straight answer.
Your coach answers from your own spending, in plain words: what changed, where it went, what to cut first. Two answers a month on Free, any question on Plus.
Never type a payment again.
UPI, card and bank account payments log on their own from your bank's texts and app alerts. Wrong one? Undo.
₹349 paid to Zomato via UPI.
Logged today
See which habits cost you most.
Repeat spends and forgotten subscriptions, added up for the whole year. Then cap the one you want to cut.
- Chai, ₹20 twice a day
- Impulse buys, ₹299 twice a month
- Cab surge, ₹60 twice a week
- Delivery fees, 3 orders a week
Example amounts, a year each. PennyWise AI finds yours.
Your bank login stays yours.
PennyWise AI logs payments from the texts and alerts your bank, card and UPI apps already send you.
No bank login.
It never asks for your net banking password, card PIN or UPI PIN, and it can't move money.
Alerts and receipts stay on your phone.
Only the payment itself, like the amount, merchant and date, is saved to your account.
Locked to your account.
Encrypted in transit and at rest. Each account can only read its own data, and we don't sell it.
Save first, not last.
Set a goal, and what you can spend each day already makes room for it.
Start in a minute.
01
Install it free
From Google Play. No card needed.
02
Turn on payment alerts
Your next payment logs itself. Wrong one? Undo.
03
Ask your first question
Try “Where did my money go this week?”
See it in a minute.
Free to start.
Plus is ₹79 a month, with 7 days free and no card. That’s less than one food delivery order.
| Feature | Free | Plus |
|---|---|---|
| Price | ₹0 | ₹79₹47.40/moA month · firstFirst 3 months · 7 days free |
| Logs itself from bank texts and alerts | Included | Included |
| Typing and receipts | Included | Included |
| Ledger, leaks and budgets | Included | Included |
| Bank texts | From today | Last 6 months too |
| Goals | 1 | No limit |
| Insights | This month | All months |
| Coach answers | 2 a month | AI, any question |
| CSV export | 2 a month | Any time |
| Voice and “Hey Penny” | Not included | Included |
| Spending caps and Second Thought | Not included | Included |
| Your own categories | Not included | Included |
| PDF and Excel reports | Not included | Included |
7 days free, with 20 Coach questions. The 6-month import, Excel and PDF come with paid Plus. No card, and it ends on its own.
Questions, answered.
What is PennyWise AI?
PennyWise AI is a financial coach for your own money. It logs your UPI, card and bank payments on its own, shows which small, repeat spends add up over a year, and answers questions about your money using your own numbers instead of generic tips.
How is it different from an expense tracker?
An expense tracker shows where your money went. PennyWise AI also tells you what to do about it: which habit to cap, what you can spend today while still saving for a goal, and straight answers when you ask about your money.
Does PennyWise AI need my bank login, card PIN or UPI PIN?
No. It never asks for your net banking password, card PIN or UPI PIN, and it can't move money. It works from the payment alerts on your phone, and you can turn that access off any time in Android settings.
Where is my data stored?
The alert text and your receipt photos stay on your phone. Only the payment itself, like the amount, merchant and date, is saved to your account, along with your budgets and goals, so nothing is lost if you change phones. It's encrypted in transit and at rest, each account can only read its own data, and we don't sell your data.
Is PennyWise AI free?
Yes, there is a free plan with automatic logging, a health score, money leaks, budgets, one goal, this month's insights and two Coach answers a month from your own numbers. Plus is ₹79 a month, with a 7-day free trial and no card needed, and your first 3 months are 40% off (₹47.40 a month). It adds the AI Coach, logging by voice and "Hey Penny", your last 6 months of bank texts at once, spending caps and Second Thought, your own categories, unlimited goals, all your months, and Excel and PDF reports. The trial has 20 Coach questions; the 6-month import, Excel and PDF come with paid Plus.
Where can I get it, and is it on iPhone?
PennyWise AI is on Google Play for Android. iOS will come after Android.
Find out where this month is going.
- Free
- No card needed
- No bank login