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XPENC vs Privacy Friendly Finance Manager: catalog facts
XPENC	Privacy Friendly Finance Manager
Free Free and open source under the MIT licence, with no ads.	Free Free and open source under the GPL-3.0-or-later licence.
Android	Android
No internet permission in release builds Covers budgets, goals, loans and dues	Simple manual income and expense tracking Custom categories
Android only No cloud sync between devices	Manual entry only, with no bank import mentioned Android only
Downloadable app	Downloadable app
Open source	Open source
License: MIT	License: GPL-3.0-or-later
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.