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Monly vs XPENC: catalog facts
Monly	XPENC
Free Free and open source under the MIT licence.	Free Free and open source under the MIT licence, with no ads.
Android	Android
Every device keeps a full copy of the data Transactions, budgets and reports in one app	No internet permission in release builds Covers budgets, goals, loans and dues
Little documentation on the homepage Small project with few contributors	Android only No cloud sync between devices
Downloadable app	Downloadable app
Open source	Open source
License: MIT	License: MIT
Not stated if an account is needed	No account needed
Not stated if it 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.