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 Sure.