Comparison

Checkbook vs Xpence

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Checkbook

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Highlights
  • Multiple account tracking
  • Recurring transaction saving
  • Fund transfers between accounts
  • Export data in CSV, QIF, HTML
  • Calendar view of transactions
  • Reports and charts for expenses/income
  • Passcode protection
Features
Currently charting
Read full description

An easy & quick way to manage your daily finances, Checkbook keeps track of your credit card charges, cash expenditures...etc. With the Checkbook application, it can totally replace your paper checkbook. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data...etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook are well designed to provide an excellent experience. Designed and developed by polycents! FEATURES ※Export in CSV, QIF & HTML Formats -Export your transactions by email for use of desktop applications such as Excel, Quicken...etc. ※Calendar -Show all your monthly transactions as points on the calendar. -Filter transactions by tapping a date or selecting multiple dates on the calendar. ※Recurring Transactions -Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. ※Multiple Accounts -Track as many accounts as you need. ※Categories -Supports multiple categories with beautiful icons to choose from. ※Payee & Note -All the details you need to keep track of your transactions are including. ※Search -Quickly search for transactions by dates, name, payee, and category. -Search and edit transactions on the same screen. ※Transfer -Transfer funds from one account to another. ※Reconcile Transactions -Reconcile your transactions by editing cleared/un-cleared status ※Reports & Charts -Review all your expenses & income by category or account with beautiful graphs and reports. -Supports both bar and pie charts. -You can set the time period to daily, weekly, monthly & yearly. ※Passcode -Protects your private information. ※Currency -Supports multiple currencies. ※Elegant, Powerful & User-friendly interface # Subscription Details # - Monthly and annual subscriptions are available. - Payment will be charged to your iTunes account at confirmation of purchase. - Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period. - Automatic renewals will be charged at the same price you were originally charged for the subscription. - Subscriptions can be managed by going to Account Settings on the App Store after purchase. Terms of Use: https://www.iubenda.com/terms-and-conditions/42835851 Privacy Policy: https://www.iubenda.com/privacy-policy/42835851 Developer website:https://www.polycents.com If you have any problems or suggestions please send a mail to checkbook@appxy.com, you will get the response in a short time.

About

Xpence

Manage your personal finances by tracking expenses and income across multiple accounts. Gain insights into spending habits with a user-friendly interface and detailed transaction filtering. Secure your data with biometric authentication.

Highlights
  • Track expenses and income
  • Multiple account management
  • Transaction filtering
  • PDF report export
  • Biometric security
  • Multiple currency support
Features
Read full description

Track all of your expenses and income to be more aware of your spending habits with Xpence, the app that helps you manage your personal finances in one user-friendly place. MAIN FEATURES: - Create up to 9 different accounts to keep track of all your transactions - Set monthly budgets by category, monitor your spending, and reach your financial goals more easily - Export a PDF Report of all your transactions - Filter your transactions by Date, Account, or Category - At a glance, check your recent transactions, current account balances, and budgets directly from your Home Screen OTHER FEATURES: - Keep your transactions safe with Face ID/Touch ID - Choose between 15 different Currencies - Search among your transactions - Choose between Dark and Light mode COMING SOON: Recurring transactions Thank you for downloading our app! Send us an email at crazytableproductions@gmail.com for any kind of feedback, we really appreciate it. Privacy Policy: https://xpence-money-tracke-0.flycricket.io/privacy.html

Screenshots

Checkbook4 screens
Xpence4 screens

Verdict

The call

The clearest difference is rating: Xpence at 5.0 against Checkbook's 4.3. Xpence also leads on monetization model (free with in-app purchases vs subscription). Checkbook's advantage is ratings volume (14K vs 2) and chart position (#138 vs unranked). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Checkbook sells 5 in-app purchases, starting at $0.99 per month and Xpence sells 3 in-app purchases, starting at $0.49 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Xpence holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Checkbook ships an update every 6 weeks, Xpence every 3 months. The most recent releases landed on November 3, 2026 and October 4, 2026 respectively.

Scorecard6 real differences · 5 level
Checkbook versus Xpence: the parameters behind the verdict, then further details
ParameterCheckbookXpence
PriceFreeFree
Rating4.3 (14K ratings)5.0 (2 ratings) — better
Positive reviews55.8% of reviews—
Number of ratings14K — better2
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsYesYes
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
Best chart rank#138 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, Mac
Requires iOS13.0 — better17.6
Further details — not scored
Size122 MB31 MB
Age rating4+17+
DeveloperBeesoft AppsGiada Ciotola

Customer experience

Checkbook

All ratings14,252 ratings
Positive82.0%
Neutral6.3%
Negative11.7%
Written reviews779 reviews
Positive55.8%
Neutral9.4%
Negative34.8%

Xpence

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Checkbook

Reported bugs

4 issues
  • Account balances not updating correctly
  • Transactions disappearing or duplicating
  • Sync issues between devices
  • App crashes or freezes after updates

Requested features

5 requests
  • Custom categories and icons
  • Budgeting and forecasting tools
  • Ability to attach receipts/photos
  • Improved account organization options
  • Automatic balance reconciliation

Xpence

Not enough reviews yet to summarise bugs or requests.

In-app purchases

5 purchases

Checkbook

Subscriptions4
  • Premium - 1 Month$0.991 Month
  • Premium - 1 Year7 Days trial$7.991 Year
  • Premium - 1 Year7 Days trial$8.991 Year
Show 1 more
  • Premium - 1 Year7 Days trial$9.991 Year
One-time1
  • Upgrade to Checkbook Pro$9.99
3 purchases

Xpence

Subscriptions2
  • Monthly Subscription3 Days trial$0.491 Month
  • Yearly Subscription$4.991 Year
One-time1
  • Unlock Xpence Forever$39.99

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is Xpence free?
Xpence is free to download, with in-app purchases available.
Which has better reviews, Checkbook or Xpence?
Xpence is rated higher. Checkbook averages 4.3 out of 5 from 14K ratings, while Xpence averages 5.0 from 2 ratings.
Do Checkbook or Xpence have ads?
Both Checkbook and Xpence show ads.
Which is updated more often, Checkbook or Xpence?
Checkbook ships an update every 6 weeks, and Xpence every 3 months. Most recently, Checkbook was updated on November 3, 2026 and Xpence on October 4, 2026.

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