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XPENC vs Monly: catalog facts
XPENC	Monly
Free Free and open source under the MIT licence, with no ads.	Free Free and open source under the MIT licence.
Android	Android
No internet permission in release builds Covers budgets, goals, loans and dues	Every device keeps a full copy of the data Transactions, budgets and reports in one app
Android only No cloud sync between devices	Little documentation on the homepage Small project with few contributors
Downloadable app	Downloadable app
Open source	Open source
License: MIT	License: MIT
No account needed	Not stated if an account is needed
Works offline	Not stated if it 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.