PennyWise AI vs Working Time Account
Side-by-side comparison of two open source alternatives
PennyWise AI
PennyWise AI — Free & Open-Source, private SMS-powered expense tracker Automatically extracts transaction data from bank SMS messages using pattern-based parsing. Works 100% offline - no internet connection required. Automatic expense tracking from bank SMS with clean categories, subscription detection, and clear insights. Key Features: • Pattern-Based SMS Parsing - Uses regex patterns to extract transactions from 20+ banks • 100% Offline Core Features - Transaction parsing, analytics, and exports work without internet • Optional AI Chat - Download Qwen 2.5 model (1.5GB, Apache 2.0) for natural language queries • Clear Analytics - Charts and insights to see spending patterns • Subscription Tracking - Detects and monitors recurring payments • Auto-Categorization - Clean merchant names and intelligent categories • Data Export - Export as CSV or PDF for records and taxes • Material You Design - Clean interface with dynamic theming Currently Supported Banks (20+): • HDFC, SBI, ICICI, Axis, PNB, IDBI • Indian Bank, Federal Bank, Karnataka Bank • Canara Bank, Bank of Baroda, Union Bank • Kotak, IndusInd, IDFC First, Central Bank • Utkarsh, HSBC, Jio Payments Bank • Jupiter, Slice, and payment gateways like Juspay • More banks being added regularly! Privacy & Security: • No internet required for core functionality (SMS parsing, analytics, exports) • Pattern-based transaction extraction - no AI needed for parsing • Optional AI chat uses on-device Qwen 2.5 model (Apache 2.0 licensed) • SMS permission is read-only - we never send messages • No user accounts or cloud sync required • Open source - audit the code yourself on GitHub • Zero data collection or tracking How It Works: 1. Grant SMS permission (read-only access) 2. App automatically parses bank SMS using regex patterns 3. View categorized transactions, analytics, and subscriptions 4. Optionally download AI model for chat features Perfect for: • Automatic daily expense tracking • Understanding spending patterns and budgeting • Managing subscription payments • Financial planning and analysis • Maintaining detailed transaction records Technical Notes: • Core SMS parsing uses regex patterns, not AI • Optional Qwen 2.5 model (Apache 2.0) for chat feature only • F-Droid flavor excludes all proprietary dependencies PennyWise respects your privacy while helping you take control of your finances. Join thousands of users who trust PennyWise for secure, automatic expense tracking without compromising their data.
Working Time Account
Working time account is used to record your personal working hours and time off and to prepare them clearly. What can the working time account do? - Record working hours - Calculate overtime - Document absences (sick, vacation, etc.) - Record any additional values (work locations, notes, expenses, travel times, etc.) and include them in the calculation of earnings and hours - Manage vacation days - Various overviews (year, month, week and day). Manage vacation days - Display various overviews (year, month, week and day) with working time calculation in the app - Generate configurable reports as PDF, CSV and iCal files and forward them to printer, mail or messenger apps - Manage multiple workstations, projects or clients - Create data backups (also autom. two shift models (alternating shift and partial shift) - several working time models (rolling week, monthly hours, 5-day week, 6-day week, x-day week) - stamp hours with NFC - Import public holidays from .ics files and enter them automatically in empty days The app includes a manual as a PDF file, which explains all the app's functions and provides an introduction to working time calculation. What the app can't do - display advertising - display cat videos or pictures - pass on your data to third parties - place orders online - save the world Thanks to - everyone who helped me with bug reports, suggestions and criticism - Freepik.com & dr. Web for the Human Pictos - the team "Code-Troopers" for their project "BetterPickers" - the teams of IzzySoft and F-Droid for their support in publishing Required permissions - writing files to save the reports and database backups - reading files to restore backups Please note that I am not liable for the correct functioning of the software or the entered/calculated times. In case of malfunctions or other oddities, please contact me (askanimus@gmail.com) so that we can find a solution together.
| Feature | PennyWise AI | Working Time Account |
|---|---|---|
| License | MIT | GPL-3.0-or-later |
| Install sources | F-DroidGitHub | F-DroidIzzyOnDroid |
| Categories | ProductivityAI AssistantFinance | ProductivityCalendarFinance |
| Features | Ad-FreeOpen SourceNo Tracking | Ad-FreeOpen SourceNo Tracking |
| Platforms | Android | Android |
| Website | ||
| Source code |