Comparison

Voya vs Xledger

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

Head to head
About

Voya

Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

Highlights
  • All-in-one account aggregation
  • Personalized financial guidance
  • Retirement income modeling
  • Secure data protection
  • Workplace benefits insights
  • Healthcare expense tracking
Features
Currently charting
Read full description

Your financial life, connected and confident Experience a simpler way to manage your money anytime, anywhere. With the Voya mobile app, you get a comprehensive, secure, and personalized financial experience designed to help you stay on track for your future. • All-in-one access View and manage your retirement, health savings, and investment accounts in one place—alongside external accounts like checking, savings, and credit cards—for a complete picture of your financial life. • Personalized financial guidance Get tailored insights, goal tracking, and nudges to help you save more, pay off debt, plan for college, or prepare for retirement. • Interactive tools & resources Model retirement income with myOrangeMoney®, access video education, live chat support, and investment advice all designed to help you take confident action. • Secure and private Your data is protected with enhanced encryption, multi-factor authentication, biometric voice ID, and our S.A.F.E. guarantee. We never sell your personal information—ever. • Effortless experience Clean design and intuitive navigation make it easy to check balances, update contributions and beneficiaries, and manage your investments all while on the go. Plus, the entire app is also available in Spanish. • Benefits and healthcare insights If offered through your retirement or employee benefits plan, review your workplace benefits and savings options with personalized support, while also staying on top of your healthcare by tracking out-of-pocket expenses and receiving reminders for preventive care. Wherever life takes you, Voya goes with you. Log in today to experience your upgraded financial journey — personalized, secure, and built to help you retire with confidence. Current Voya Retire users will either seamlessly transition to the new experience through an automatic update or receive a prompt to update their app.

About

Xledger

This finance app allows employees to track time and expenses, upload receipts, and manage basic settings. Managers can view employee lists, approve timesheets and payments, and access updated bank balances. It requires employer subscription to Xledger.

Highlights
  • Time tracking
  • Expense management
  • Receipt uploading
  • Timesheet approval
  • Bank balance access
  • Multilingual support
Features
Read full description

The official Xledger app for iPhone and iPad makes your life easier. Enter data anywhere, anytime. Pair your device for fast and secure login. Works out-of-the-box with all standard roles. Get instant and easy access to updated information. Employees • Time keeping – track your time, and get full overview of your hours • Expense management – log your expenditures • Upload attachments – take a picture and upload receipts directly from the app • Basic user settings – available in 21 languages Managers • Employee list – access list of all the employees • Approve timesheets, travel bills and payments – approve tasks directly in the app from anywhere • Updated bank balance – constant access to updated bank balance NOTE: To enable this application your employer must be a customer of Xledger.

Screenshots

Voya4 screens
Xledger3 screens

Verdict

The call

The clearest difference is update cadence: Voya at fortnightly against Xledger's every 5 months. Voya also leads on ratings volume (190K vs 2) and chart position (#147 vs unranked). Xledger's advantage is review sentiment (50% vs 24%) and rating (5.0 vs 4.7). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Xledger holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Voya has 190K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 24% of Voya's written reviews are positive against 50% of Xledger's.

UpkeepUpdate frequency

Voya ships an update fortnightly, Xledger every 5 months. The most recent releases landed on October 22, 2026 and October 2, 2026 respectively.

Scorecard5 real differences · 6 level
Voya versus Xledger: the parameters behind the verdict, then further details
ParameterVoyaXledger
PriceFreeFree
Rating4.7 (190K ratings)5.0 (2 ratings) — better
Positive reviews23.9% of reviews50.0% of reviews — better
Number of ratings190K — better2
Update frequencyFortnightly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#147 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size138 MB6 MB
Age rating4+4+
DeveloperVoya Services CompanyXledger Labs AS

Customer experience

Voya

All ratings188,486 ratings
Positive93.9%
Neutral2.6%
Negative3.5%
Written reviews796 reviews
Positive23.9%
Neutral9.7%
Negative66.5%

Xledger

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

Voya

Reported bugs

3 issues
  • Login issues with Face ID/Touch ID
  • Inability to access account details and transactions
  • Inconsistent app behavior across iOS versions

Requested features

4 requests
  • Ability to view monthly/quarterly investment performance
  • Option to customize contribution limits
  • Improved fund lookup and research tools
  • Enhanced portfolio tracking and analytics

Xledger

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Voya

No in-app purchases

None

Xledger

No in-app purchases

Questions

Is Voya free?
Voya is free to download, with no in-app purchases.
Is Xledger free?
Xledger is free to download, with no in-app purchases.
Which has better reviews, Voya or Xledger?
Xledger is rated higher. Voya averages 4.7 out of 5 from 190K ratings, while Xledger averages 5.0 from 2 ratings.
Do Voya or Xledger have ads?
Neither Voya nor Xledger shows ads.
Which is updated more often, Voya or Xledger?
Voya ships an update fortnightly, and Xledger every 5 months. Most recently, Voya was updated on October 22, 2026 and Xledger on October 2, 2026.

Other comparisons