PENNYWISE
Smarter Spending • Brighter Tomorrows

Take Control of
Every Taka You Spend

Pennywise is a smart expense tracking app that helps you log spending, set budgets, get reminders, and receive AI-powered money insights — so you can build better financial habits, every day.

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Free to use No account required Works offline
PENNYWISE spending insights screen
PENNYWISE add expense screen
PENNYWISE home dashboard screen
Track SpendingEffortlessly
Get SmartReminders
AI-PoweredInsights
Set BudgetsReach Goals

Daily Expense Tracking

Log your daily spending in seconds with simple, beautiful tools.

Smart Budget Alerts

Set monthly budgets and get notified before you overspend.

Dark & Light Mode

A beautiful experience, day or night. Designed to fit your style.

YOUR AI ADVISOR, READY IN MINUTES

How to Activate Your AI Money Advisor

Connect your own OpenRouter API key to unlock personalized money insights inside PENNYWISE. Follow the short walkthrough below.

STEP-BY-STEP VIDEO ABOUT 1 MINUTE

Set up your AI advisor in five simple steps.

  1. 01
    Open OpenRouter

    Visit OpenRouter and sign in to your account.

  2. 02
    Create a new API key

    Open the API Keys page and select New Key.

  3. 03
    Copy your key safely

    Copy the new key when it appears. OpenRouter may not show the full key again.

  4. 04
    Paste it into PENNYWISE

    In the app, open Profile → AI Money Advisor, paste the key, and save it.

  5. 05
    Run your first analysis

    Tap Run AI analysis now to receive your money insights.

Keep your API key private. It works like a password. Never share it in messages, screenshots, or public posts. Enter it only in your own PENNYWISE app.

Create an OpenRouter API key
ACTIVATION WALKTHROUGH 01:04
Watch the complete setupOpenRouter key creation • App connection • First AI analysis

Tip: Keep this page open while following the steps on your phone.

A clearer view of your money

Built for Better
Financial Habits

Pennywise makes it easy to understand where your money goes, so you can spend smarter, save more, and achieve your goals.

Explore Pennywise →
PENNYWISE balance and home dashboard

Track Your Finances

Get a clear overview of your balance and spending at a glance.

PENNYWISE expense entry screen

Simple & Fast Logging

Add expenses in seconds with intuitive spending categories.

PENNYWISE weekly spending chart and insights

Visual Insights

Beautiful charts to help you understand your spending.

PENNYWISE dashboard in dark mode

Comfortable Everywhere

Choose a clear, comfortable experience in light or dark mode.

Why Pennywise?

Fast logging

Add expenses in seconds and stay on top of your money.

Budget control

Set limits, get alerts, and build better habits.

Private local data

Your records stay on your device. No account needed.

Helpful reminders

Never miss a daily check-in or your budget goals.

Start Your Smarter Money Journey Today

Take control of your finances — one Taka at a time.