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Cashiro vs UPI Expense Tracker: catalog facts
Cashiro	UPI Expense Tracker
Free Free and open source with no paid tier.	Free Free and open source under the GPL-3.0 licence.
Android	Android
Extracts transactions automatically from bank SMS Reads PDF statements, including Google Pay and PhonePe UPI	Fully offline with no cloud account Captures UPI payments and categorises them
Needs SMS read access to work automatically Parsing depends on supported bank message formats	Only useful for UPI payments Android only
Downloadable app	Downloadable app
Open source	Open source
License: AGPL-3.0	License: GPL-3.0-only
No account needed	Not stated if an account is needed
Works offline	Works offline
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.