# Expense Tracker vs Xpenses

The clearest difference is ads: Xpenses at none against Expense Tracker's shown. Expense Tracker's advantage is ratings volume (3K vs 1) and update cadence (every 3 weeks vs every 2 months). On price, rating, in-app purchases and monetization model there is nothing between them.

Both are free to download. Expense Tracker sells 2 one-off in-app purchases and Xpenses sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.9 for Expense Tracker against 5.0 for Xpenses. That said, the two scores are not equally well evidenced: Expense Tracker has 3K ratings behind it against 1, so its average is the more settled of the two.

Expense Tracker ships an update every 3 weeks, Xpenses every 2 months. The most recent releases landed on October 26, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Expense Tracker | Xpenses |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (3K ratings)](https://appshunter.io/ios/app/expense-tracker-money-note/id1320730220/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/xpenses-finances-tracker/id6743875432/reviews)** |
| Number of ratings | **3K** | 1 |
| Positive reviews | 89.8% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Freemium |
| Size | 110 MB | 12 MB |
| Requires iOS | **15.0** | 17 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Komorebi Inc.](https://appshunter.io/developer/481596469) | [Ana Filipe](https://appshunter.io/developer/1805012579) |

## What reviewers say

### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-money-note/id1320730220)

This app offers a straightforward way to track your income and expenses without requiring account registration or bank connections. It prioritizes local data storage for speed and security, with a familiar interface for instant budgeting. Customize themes, export data, and secure your finances with a passcode.

**Highlights:** Simple and easy to use, No account registration, Local data storage, Budget settings by category, Monthly, yearly, and cumulative reports, CSV and PDF export, Passcode lock with Face ID/Touch ID

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Removing Ads | $12.99 | one-time |
| Premium Service (Lifetime) | $14.99 | one-time |

**What reviewers like**

- 👍 Easy to use and understand
- 🎨 Customizable interface with icons and colors
- 📊 Clear visual representation of expenses and income
- 🔍 Detailed expense tracking and categorization
- 🗓️ Convenient calendar view for daily expenses

**What reviewers complain about**

- 🗓️ No option to lock or protect past months' data
- 💳 Lacks support for tracking credit card payments
- 🔍 Search function could be improved
- 💱 Limited currency options

**Reported bugs**

- Data loss after uninstalling and reinstalling the app
- Issues with date synchronization after updates

**Requested features**

- Ability to set budgets for expense categories
- Option to mark expenses as 'paid'
- Sync data across multiple devices
- More detailed reporting and analytics
- Support for multiple accounts/wallets


### Xpenses

[App page](https://appshunter.io/ios/app/xpenses-finances-tracker/id6743875432)

Manage your personal finances with a privacy-focused expense tracker. Organize spending, set budgets, and gain insights into your financial habits with local data storage and no ads.

**Highlights:** Unlimited expense & income tracking, Local-only data storage, Predefined and custom categories, Monthly summaries and graphs, iCloud Sync, Partner Sharing, CSV Import & Export

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Xpenses Premium (1 Month) | $0.99 | per month |
| Xpenses Premium (1 Year) | $8.99 | per year |
| Premium Lifetime | $14.99 | one-time |


## Frequently asked questions

### Is Expense Tracker free?

Expense Tracker is free to download, with in-app purchases available.

### Is Xpenses free?

Xpenses is free to download, with in-app purchases available.

### Which has better reviews, Expense Tracker or Xpenses?

Xpenses is rated higher. Expense Tracker averages 4.9 out of 5 from 3K ratings, while Xpenses averages 5.0 from 1 ratings.

### Do Expense Tracker or Xpenses have ads?

Expense Tracker shows ads; Xpenses does not.

### Which is updated more often, Expense Tracker or Xpenses?

Expense Tracker ships an update every 3 weeks, and Xpenses every 2 months. Most recently, Expense Tracker was updated on October 26, 2026 and Xpenses on October 18, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*