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UPI Expense Tracker vs XPENC: catalog facts
UPI Expense Tracker	XPENC
Free Free and open source under the GPL-3.0 licence.	Free Free and open source under the MIT licence, with no ads.
Android	Android
Fully offline with no cloud account Captures UPI payments and categorises them	No internet permission in release builds Covers budgets, goals, loans and dues
Only useful for UPI payments Android only	Android only No cloud sync between devices
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.