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PennyWise vs MyFinanceMate: catalog facts
PennyWise	MyFinanceMate
Free Free and open source under AGPL-3.0-only.	Free Free and open source under the MIT licence.
Android	Android
Automatic expense tracking from bank SMS No sign-up and no cloud processing	Logs transactions automatically from bank SMS Local storage with no ads or trackers
Requires SMS read permission Only useful if your bank sends transaction SMS	Depends on your bank sending SMS alerts Needs permission to read SMS
Downloadable app	Downloadable app
Open source	Open source
License: AGPL-3.0	License: MIT
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.