PennyWise AI AlternativesBudget Managers & Personal Finance Tools like PennyWise AI

PennyWise AI is described as 'PennyWise automatically reads transaction SMS messages and transforms them into organized financial data with on-device AI assistance. No manual entry, no cloud processing, complete privacy' and is a Budget Manager in the business & commerce category. There are more than 50 alternatives to PennyWise AI for a variety of platforms, including Android, iPhone, iPad, Mac and Windows apps. The best PennyWise AI alternative is GnuCash, which is both free and Open Source. Other great apps like PennyWise AI are Cashew, Budget Board, HomeBank and MoneyManager Ex.

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PennyWise AI alternatives page was last updated

Alternatives list

  1. GnuCash icon
     398 likes

    GnuCash is a versatile financial-accounting software designed for both personal and small-business use. With features like double-entry, scheduled transactions, and multi-currency support, it operates across various platforms, including Windows, Mac, and Linux, ensuring accuracy through professional principles.

    293 GnuCash alternatives

    Cost / License

    • Free
    • Open Source

    Application type

    Platforms

    • Mac
    • Windows
    • Linux
    • BSD
    • PortableApps.com
    • Flathub
     
  2. Cashew icon
     69 likes

    Tracks expenses, budgets, and subscriptions with secure offline access, privacy-focused usage, CSV data import, visual analytics, multi-currency conversion, recurring billing, goal tracking, multiple accounts, cloud sync, fast entries, and zero advertising.

    61 Cashew alternatives

    Cost / License

    Application type

    Platforms

    • Online
    • Android
    • iPhone
    • iPad
     
  3. HomeBank icon
     142 likes

    Open-source accounting software for personal finance and budgeting, featuring multi-platform compatibility, comprehensive analysis tools, recurring transactions, detailed reports, and support for multiple languages and export formats.

    266 HomeBank alternatives

    Cost / License

    Application type

    Platforms

    • Mac
    • Windows
    • Linux
    • BSD
     
  4. MoneyManager Ex icon
     91 likes

    MoneyManager Ex is a free, open-source, cross-platform, easy-to-use personal finance software. It primarily helps organize one's finances and keeps track of where, when and how the money goes. It is also a great tool to get a bird's eye view of your financial worth.

    265 MoneyManager Ex alternatives

    Cost / License

    Application type

    Platforms

    • Mac
    • Windows
    • Linux
    • Android
    • PortableApps.com
    • F-Droid
    • iPhone
     
  5. ExpenseOwl icon
     16 likes

    An expense tracker with a minimalist UI, visualizes monthly spending in pie charts. Supports UUID identification, flat file storage, CSV export, REST API, and Docker deployment. Customize categories and currency, ideal for personal finance in a home lab setup.

    59 ExpenseOwl alternatives

    Cost / License

    • Free
    • Open Source (MIT)

    Application type

    Platforms

    • Self-Hosted
    • Docker
     
  6. Actual Budget icon
     29 likes

    Actual is an personal finance tracker with a powerful budgeting system. Only budget money that you have and see exactly how much you're saving each month. Track all your accounts in one place.

    96 Actual Budget alternatives

    Cost / License

    • Free
    • Open Source (MIT)

    Application type

    Platforms

    • Mac
    • Windows
    • Linux
    • Self-Hosted
    • Cloudron
    • Flathub
    • Flatpak
     
  7. Am I Good? icon
     6 likes

    Privacy-centric budgeting tool featuring local data storage, simple income and expense tracking, clear cash flow and daily balance visualization, smart low-balance notifications, no sign-ups, no data sharing, no ads, minimalist design, and distraction-free use.

    Cost / License

    • Free
    • Proprietary

    Application type

    Platforms

    • Android
    • iPhone
    • Android Tablet
    • iPad
     
  8. MoneyTool icon
     8 likes

    Meet MoneyTool — the money tool that puts you in control. Track your spending, savings, assets, and debts effortlessly.

    Cost / License

    • Freemium
    • Proprietary

    Application type

    Platforms

    • iPhone
    • iPad
    • Android
    • Android Tablet
     
  9. Comprehensive zero-based budgeting platform offering structured spending allocation, real-time financial syncing, goal setting, debt reduction tools, partner collaboration, interactive financial reports, multi-device access, strong data security, and live personal support.

    292 You Need A Budget alternatives

    Cost / License

    • Paid
    • Proprietary

    Application type

    Platforms

    • Online
    • Android
    • iPhone
    • Android Tablet
    • Apple Watch
    • Kindle Fire
    • Amazon Alexa
    • CrossOver
     
  10. Monekin icon
     10 likes

    A 100% Open Source app that tries to make personal finances easier. Fast, simple, without ads, without the need for an Internet connection and with a groundbreaking design, that's Monekin.

    Cost / License

    Application type

    Platforms

    • Android
    • Windows
     
12 of 57 PennyWise AI alternatives