₹30 here, ₹400 there.
That’s ₹9,000 a month.
PennyWise AI is a financial coach for your own money. It tracks your UPI spends on its own, finds the small ones that add up, and helps you keep more.
Free to start · Plus is ₹79/month, 7 days free
Good evening, Asha
You kept ₹42,180 of the ₹78,400 you had free.
Say it, snap it, or let it log itself.
Payments from your bank and UPI apps log on their own from their notifications. Wrong one? Undo.
What it reads, and what it keeps.
PennyWise AI logs payments from the alerts your bank and UPI apps already send you.
No bank login.
It never asks for your net banking password 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.
Ask your coach anything.
Answers from your own numbers, not generic tips.
Small spends.
Big total.
See what each habit really costs you, and cap the one you want to cut.
Save first, not last.
Set a goal, and what you can spend each day already makes room for it.
Free to start.
Plus is ₹79 a month, with 7 days free and no card. That’s less than one food delivery order.
Free
- Log by voice, receipt or automatically
- Health score, leaks and budgets
- 1 goal
- This month's insights
- 2 Coach questions a month
- CSV export, twice a month
Plus
7 days free · no card- Everything in Free
- AI Coach: ask anything
- Unlimited spending caps
- Unlimited goals
- All your months
- Excel and PDF reports
Questions, answered.
What is PennyWise AI?
PennyWise AI is a financial coach for your own money. It logs your UPI 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 or UPI PIN?
No. It never asks for your net banking password 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 and one goal. Plus is ₹79 a month, with a 7-day free trial and no card needed. It adds unlimited coach questions, caps and goals, all your months, and Excel and PDF reports.
Where can I get it, and is it on iPhone?
PennyWise AI is on Google Play for Android. iOS will come after Android.