# Voya vs Xledger

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Voya | Xledger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (190K ratings)](https://appshunter.io/ios/app/voya/id492157058/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/xledger/id1067802132/reviews)** |
| Number of ratings | **190K** | 2 |
| Positive reviews | 23.9% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 months |
| Monetization | Free | Free |
| Best chart rank | **#147** | — |
| Size | 138 MB | 6 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Voya Services Company](https://appshunter.io/developer/490636997) | [Xledger Labs AS](https://appshunter.io/developer/1067802131) |

## What reviewers say

### Voya

[App page](https://appshunter.io/ios/app/voya/id492157058)

**Currently charting:** #147 Top Free · Finance (US App Store)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Intuitive user interface
- 🔒 Robust security features
- 💡 Retirement planning tools
- 👍 User-friendly navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and system unavailability
- 👎 Lack of transparency in account details
- 🕰️ Slow performance and loading times
- 📊 Limited investment performance history

**Reported bugs**

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

**Requested features**

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


### Xledger

[App page](https://appshunter.io/ios/app/xledger/id1067802132)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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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.*