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XPENC vs Bluecoins: catalog facts
XPENC	Bluecoins
Free Free and open source under the MIT licence, with no ads.	Freemium The homepage does not list prices; check the store listings for paid features.
Android	Android, iOS
No internet permission in release builds Covers budgets, goals, loans and dues	No bank login or stored credentials Automatic entries from bank notifications and SMS
Android only No cloud sync between devices	No desktop app Automatic logging relies on bank notifications rather than direct bank sync
Downloadable app	Downloadable app
Open source	Closed source
License: MIT	License not stated
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 1, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.