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