PenniSmart auto-captures every bank transaction from your notifications. Earn XP, build streaks, unlock badges — and actually enjoy managing money.
Built for India's digital-first generation. Works with every major bank and payment app out of the box.
PenniSmart silently reads your bank push notifications and logs every transaction instantly — no manual entry, no SMS permissions, no privacy risk.
Regex → JS rules → Claude AI. 94%+ accuracy. "Swiggy" is Food, "Uber" is Transport — recognized instantly, no setup needed.
Earn XP for every healthy financial habit. Level up through 10 tiers. Maintain streaks. Unlock badges. Turn discipline into play.
All financial data lives 100% on your device in encrypted local storage. Cloud sync is optional and Pro-only. We don't sell your data. Ever.
Download from Play Store. Grant notification access — just once. No account or bank login needed.
Every bank notification — HDFC, SBI, GPay, PhonePe — is instantly captured, parsed, and categorized in the background.
Get rewarded for healthy spending. Penni, your AI owl coach, gives weekly insights and personalized challenges.
Every screen designed for clarity, speed, and delight.
Earn XP for every good financial move. Build streaks. Unlock badges. Rise through 10 levels.
Visual goal-based savings. Earn XP at 25%, 50%, 75%, and 100% milestones.
Auto-detects recurring charges. "₹75/month · No activity in 45 days. Cancel & save ₹900/year?"
Point camera at any bank SMS or receipt. ML Kit extracts transaction details instantly.
Color-coded budget bars, daily remaining, spending pace, and month-over-month comparisons.
Week Warrior, Bill Slayer, Smart Saver, Penny Pincher and more. Rare achievements with rarity scores.
Free: Google Drive backup automatically. Pro: real-time cloud sync across all your devices.
No credit card required. Cancel anytime. 7-day free trial for Pro.
Cancel anytime. No charge until trial ends.
Early access users get Pro free for 3 months + exclusive Founding Member badge.
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