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XPENC vs UPI Expense Tracker: catalog facts
XPENC	UPI Expense Tracker
Free Free and open source under the MIT licence, with no ads.	Free Free and open source under the GPL-3.0 licence.
Android	Android
No internet permission in release builds Covers budgets, goals, loans and dues	Fully offline with no cloud account Captures UPI payments and categorises them
Android only No cloud sync between devices	Only useful for UPI payments Android only
Downloadable app	Downloadable app
Open source	Open source
License: MIT	License: GPL-3.0-only
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 2, 2026

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