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UPI Expense Tracker vs MyFinanceMate: catalog facts
UPI Expense Tracker	MyFinanceMate
Free Free and open source under the GPL-3.0 licence.	Free Free and open source under the MIT licence.
Android	Android
Fully offline with no cloud account Captures UPI payments and categorises them	Logs transactions automatically from bank SMS Local storage with no ads or trackers
Only useful for UPI payments Android only	Depends on your bank sending SMS alerts Needs permission to read SMS
Downloadable app	Downloadable app
Open source	Open source
License: GPL-3.0-only	License: MIT
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.