# Checkbook vs Xpence

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 (#129 vs unranked). On price, ads, in-app purchases and device support there is nothing between them.

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.

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.

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.

## The numbers

| Metric | Checkbook | Xpence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (14K ratings)](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/xpence-money-tracker/id1566375439/reviews)** |
| Number of ratings | **14K** | 2 |
| Positive reviews | 55.8% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Subscription | **Free with in-app purchases** |
| Best chart rank | **#129** | — |
| Size | 122 MB | 31 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Mac |
| Age rating | 4+ | 17+ |
| Developer | [Beesoft Apps](https://appshunter.io/developer/1420966143) | [Giada Ciotola](https://appshunter.io/developer/1502428346) |

## What reviewers say

### Checkbook

[App page](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695)

**Currently charting:** #129 Top Grossing · Finance (US App Store)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 1 Month | $0.99 | per month |
| Premium - 1 Year | $7.99 | per year |
| Premium - 1 Year | $8.99 | per year |
| Premium - 1 Year | $9.99 | per year |
| Upgrade to Checkbook Pro | $9.99 | one-time |

**What reviewers like**

- 💻 Easy to use
- 📊 Helpful charts and reports
- 🔄 Seamless sync across devices
- 🧮 Convenient built-in calculator
- 🗂️ Ability to manage multiple accounts

**What reviewers complain about**

- 🔍 Lacking advanced search/filtering
- 🔁 Recurring transactions issues
- 🔒 Concerns about data security
- 💰 Subscription model too expensive
- 📢 Intrusive ads in free version

**Reported bugs**

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

**Requested features**

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


### Xpence

[App page](https://appshunter.io/ios/app/xpence-money-tracker/id1566375439)

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:** Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $0.49 | per month |
| Yearly Subscription | $4.99 | per year |
| Unlock Xpence Forever | $39.99 | one-time |


## Frequently asked 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.

---

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