PennyWise - Privacy-first budgeting - Turn bank SMS into expense insights, 100% offline

🚀 Hey Product Hunt community!

Finally PennyWise AI is live on playstore: https://play.google.com/store/apps/details?id=com.pennywiseai.tracker

I'm excited to share PennyWise - an expense tracker I built after getting frustrated with apps that treat our financial data like their property.

The Problem I Faced:
Every expense tracker I tried wanted to sync my bank transactions to their servers. As someone who receives 50+ transaction SMS monthly, the thought of all that financial data sitting on someone else's server made me uncomfortable.

What Makes PennyWise Different:

🔒 100% Offline Processing - Your financial data never leaves your phone. No servers, no cloud sync, no account required. Just install and go.

🤖 Optional On-Device AI - Uses MediaPipe's Qwen 2.5 LLM (1.5GB) that runs locally on your phone. Ask questions like "How much did I spend on food last month?" without any data leaving your device.

📊 Smart Features Without the Privacy Cost:
- Auto-categorization of merchants
- Subscription detection
- Spending analytics and trends
- CSV/PDF export for taxes
- Material You dynamic theming

The Tech Behind It:
- Written in Kotlin with Jetpack Compose
- MVVM Clean Architecture
- Room database for local storage
- Regex-based SMS parsing (no AI needed for core function)
- Completely open-source on GitHub

Who Is This For?
- Privacy-conscious individuals who value data ownership
- Anyone tired of subscription fees for basic budgeting
- Indian users whose banks aren't supported by global apps
- People who want expense tracking to "just work" without manual entry

What's Next?
I'm actively working on:
- Adding more banks based on user requests
- Improving the AI assistant capabilities
- Building budget alerts and goals
- Creating a backup/restore feature (still local, maybe Google Drive)

Would love to hear your thoughts! What features would make expense tracking better for you? Any banks you'd like to see supported?