# Spending Tracker vs Xpence

The clearest difference is ratings volume: Spending Tracker at 19K against Xpence's 2. Spending Tracker also leads on device support (5 vs 3) and iOS requirement (15.5 vs 17.6). Xpence's advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Spending Tracker sells 1 one-off in-app purchase 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 4.8. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 2, so its average is the more settled of the two.

Spending Tracker ships an update every 2 months, Xpence every 3 months. The most recent releases landed on October 25, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Xpence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/xpence-money-tracker/id1566375439/reviews)** |
| Number of ratings | **19K** | 2 |
| Positive reviews | 94.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 50 MB | 31 MB |
| Requires iOS | **15.5** | 17.6 |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPad, Mac |
| Age rating | 4+ | 17+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Giada Ciotola](https://appshunter.io/developer/1502428346) |

## What reviewers say

### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker/id548615579)

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

**Highlights:** Simple and intuitive interface, Flexible time period tracking (Weekly, Monthly, Yearly), Budget mode with carry-over, Summary view of spending progress, Log expenses and income, Editable spending and income categories, Interactive charts and reports

**Features:** Family Sharing, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Upgrade | $2.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 📊 Helpful reports and charts
- 💰 One-time fee for premium features
- 🔁 Recurring transactions
- 🗂️ Multiple accounts and categories

**What reviewers complain about**

- 🐛 Occasional syncing issues
- 🔢 Lack of fortnightly budget option
- 🗂️ Difficulty deleting unused categories
- 💰 Paid upgrade required for some features
- 📈 Limited budget tracking within categories

**Reported bugs**

- Transactions sometimes entered in wrong order
- Backup and restore functionality not always reliable

**Requested features**

- Add ability to split transactions into multiple categories
- Incorporate currency conversion and exchange rates
- Allow family/shared account access and updates
- Implement a 'Debt' category to track loan payments
- Add option to take photos of receipts and attach to transactions


### 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 Spending Tracker free?

Spending Tracker 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, Spending Tracker or Xpence?

Xpence is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Xpence averages 5.0 from 2 ratings.

### Do Spending Tracker or Xpence have ads?

Both Spending Tracker and Xpence show ads.

### Which is updated more often, Spending Tracker or Xpence?

Spending Tracker ships an update every 2 months, and Xpence every 3 months. Most recently, Spending Tracker was updated on October 25, 2026 and Xpence on October 4, 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.*