# iSpending vs Xpence

The clearest difference is rating: Xpence at 5.0 against iSpending's 4.4. iSpending's advantage is ratings volume (634 vs 2) and iOS requirement (12.0 vs 17.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. iSpending sells 2 in-app purchases, starting at $2.99 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 4.4. That said, the two scores are not equally well evidenced: iSpending has 634 ratings behind it against 2, so its average is the more settled of the two.

iSpending ships an update every 6 months, Xpence every 3 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | iSpending | Xpence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/xpence-money-tracker/id1566375439/reviews)** |
| Number of ratings | **634** | 2 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 6 months | **Every 3 months** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 19 MB | 31 MB |
| Requires iOS | **12.0** | 17.6 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac** |
| Age rating | 4+ | 17+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Giada Ciotola](https://appshunter.io/developer/1502428346) |

## What reviewers say

### iSpending

[App page](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875)

Track your income and expenses with this free personal finance app. Organize transactions by category, view instant summaries, and analyze spending patterns with detailed graphs. Secure your data with passcode and Face ID.

**Highlights:** Categorize income and expenses, Customizable spending categories, Instant daily, weekly, monthly, yearly summaries, Detailed graph reports, Transaction search, Passcode and Face ID lock, iCloud sync

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpending Premium | $2.99 | per month |
| iSpending Premium | $29.99 | per year |

**What reviewers like**

- 👍 Easy to use
- 💰 Helps organize finances
- 📊 Provides good visibility into spending
- 🚀 Simple and straightforward

**What reviewers complain about**

- 🔒 Limited functionality without paid upgrade
- 🐛 Crashes and bugs reported
- 🗓️ Lack of customization options (categories, date range)
- 💻 No cross-device sync or backup

**Reported bugs**

- Transactions not displaying properly
- Data loss after app updates
- Inability to access past year's data

**Requested features**

- Recurring transaction options
- Ability to edit/delete past entries
- More detailed reporting and analytics
- Multi-currency support
- Sync across devices


### 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 iSpending free?

iSpending 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, iSpending or Xpence?

Xpence is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while Xpence averages 5.0 from 2 ratings.

### Do iSpending or Xpence have ads?

Both iSpending and Xpence show ads.

### Which is updated more often, iSpending or Xpence?

iSpending ships an update every 6 months, and Xpence every 3 months. Most recently, iSpending was updated on November 1, 2026 and Xpence on November 3, 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.*