Comparison

Fen vs XSD

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

Head to head
About

Fen

An intelligent money manager that helps you understand your spending habits. Organize income and expenses with custom wallets, track subscriptions, and visualize financial goals. Keep your financial data private and secure with local storage and iCloud sync.

Highlights
  • Customizable wallets and categories
  • Income and expense tracking
  • Subscription management
  • Financial goal visualization
  • Receipt scanning
  • Merchant spending summaries
  • Loan and budget calculators
Features
Read full description

Your finances deserve better than a simple spreadsheet. Fen is the intelligent money manager that actually helps you understand where your money goes. MANAGE YOUR MONEY—YOUR WAY Most apps just track transactions. Fen organizes them. Create custom wallets for personal spending, business expenses, or specific goals. Track income and expenses with detailed insights that actually make sense. No more wondering "where did my money go?" YOUR ENTIRE FINANCIAL PICTURE, ONE BEAUTIFUL VIEW See revenue, expenses, subscriptions, and goals in one place. Finally understand your spending patterns and what's coming next. TRACK WHAT MATTERS TO YOU Not all expenses are the same. Monitor spending by merchant, calculate loan options, or create custom budget breakdowns. Track your progress toward financial goals with visual reminders that keep you motivated. SEAMLESSLY INTEGRATED Apple's native receipt scanner captures purchases instantly (some manual editing may be needed) Document locker stores receipts and important files securely Subscription tracker prevents surprise charges iCloud sync keeps everything private and up-to-date across devices YOUR DATA STAYS YOURS Everything is stored locally on your device or in your personal iCloud—never on our servers. Zero worry about your financial information leaving your hands. POWERFUL TOOLS INCLUDED Merchant Summary: See exactly how much you spend with each vendor Breakdown Calculators: Create multiple budget versions for different scenarios Loan Calculator: Compare loan options before you commit Goal Tracker: Set targets and watch your progress grow Fully customizable wallets and categories to match your life. Transform your financial chaos into clarity. Download Fen today.

About

XSD

Features
Read full description

XSD is a tool for anyone working with the Italian FatturaPA electronic invoice format — accountants, consultants, developers, SMBs — who needs to validate invoices on the go. WHAT IT DOES Real XSD validation. The XML is checked against the official Italian Revenue Agency (Agenzia delle Entrate) schema and every error is reported with the exact line and column: missing required elements, values that do not match the expected pattern, wrong element ordering. No "well-formed and you're done". Both official schemas bundled: FatturaPA ordinary v1.2.2 and FatturaPA simplified v1.0. The correct one is detected automatically from the XML namespace — you never have to choose by hand. Support for signed .p7m files (CAdES-BES). The PKCS#7 container is opened automatically and the embedded XML is validated like a regular .xml. Most real invoices arrive signed, and most phone tools cannot open them — this one can. Digital signature check at two levels: • Cryptographic validity — content digest and RSA signature are recomputed with the signer certificate's public key. If a single byte has been changed after signing, the app flags it. • System trust — the certificate is evaluated against your device's root CA store (the same one Safari uses). Important transparency note: the app does NOT check inclusion of the certificate in the official Italian Revenue Agency Trust List (Italian TSL, ETSI TS 119 612). That administrative check is distinct from cryptographic validity and requires an online channel to AdE. Readable invoice preview using the official Agenzia delle Entrate stylesheet (the same one used on the FatturaPA portal), with PDF export via the iOS share sheet. Generic XML mode. Use any custom XSD to validate any XML, beyond the FatturaPA world. "Open in XSD" from Mail, Files, AirDrop and any other app: .xml and .xml.p7m files are loaded directly. OFFLINE AND PRIVATE Everything happens on the device. No uploads, no account, no telemetry. Your invoices never leave your phone. NOT A REPLACEMENT FOR • Transmission to SDI (requires an accredited channel). • Legal long-term archival (requires a dedicated service). • Administrative validation against the official TSL. XSD is a check-and-verify tool, not a management system.

Screenshots

Fen4 screens
XSD2 screens

Verdict

The call

The clearest difference is price: Fen at Free against XSD's $4.99. Fen also leads on update cadence (every 2 weeks vs every 5 months). XSD's advantage is iOS requirement (15.0 vs 26.0). On ads, in-app purchases and device support 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

Fen is free to download; XSD costs $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Fen ships an update every 2 weeks, XSD every 5 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Fen versus XSD: the parameters behind the verdict, then further details
ParameterFenXSD
PriceFree — better$4.99
Rating4.8 (5 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 2 weeks — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS26.015.0 — better
Further details — not scored
Size6 MB1 MB
Age rating4+4+
DeveloperOdd OmensMarco Tini

In-app purchases

None

Fen

No in-app purchases

None

XSD

No in-app purchases

Questions

Is Fen free?
Fen is free to download, with no in-app purchases.
Is XSD free?
XSD costs $4.99, with no in-app purchases.
Do Fen or XSD have ads?
Neither Fen nor XSD shows ads.
Which is updated more often, Fen or XSD?
Fen ships an update every 2 weeks, and XSD every 5 months. Most recently, Fen was updated on October 24, 2026 and XSD on October 25, 2026.

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