Compare software

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