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PennyWise vs UPI Expense Tracker: catalog facts
PennyWise	UPI Expense Tracker
Free Free and open source under AGPL-3.0-only.	Free Free and open source under the GPL-3.0 licence.
Android	Android
Automatic expense tracking from bank SMS No sign-up and no cloud processing	Fully offline with no cloud account Captures UPI payments and categorises them
Requires SMS read permission Only useful if your bank sends transaction SMS	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.