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PennyWise vs Cashiro: catalog facts
PennyWise	Cashiro
Free Free and open source under AGPL-3.0-only.	Free Free and open source with no paid tier.
Android	Android
Automatic expense tracking from bank SMS No sign-up and no cloud processing	Extracts transactions automatically from bank SMS Reads PDF statements, including Google Pay and PhonePe UPI
Requires SMS read permission Only useful if your bank sends transaction SMS	Needs SMS read access to work automatically Parsing depends on supported bank message formats
Downloadable app	Downloadable app
Open source	Open source
License: AGPL-3.0	License: AGPL-3.0
No account needed	No account 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.