Comparison

Xpend vs Spending Tracker

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

Head to head
About

Xpend

Features
Read full description

Xpend is the ultimate expense tracking app designed to simplify the way you manage your finances. With an intuitive interface, Xpend categorizes your expenses, helping you understand where your money is going without overwhelming you with unnecessary features. Easily track your spending, view average monthly expenses for each category, and adjust your habits to spend more or less based on your financial goals. Xpend is perfect for those who want a streamlined approach to budgeting, and we're continuously adding exciting new features to enhance your experience. Start taking control of your finances today with Xpend!

About

Spending Tracker

Features
Read full description

Sumi automatically tracks your spending, and converts foreign charges to your main currency, so you can save more without the stress. Why you’ll love Sumi: - Save time. Auto-track purchases with Apple Pay while Sumi categorizes and logs them in the background, or add transactions manually in a few quick taps. - Feel confident. See exactly where your money goes by day, category, or month with clear charts and daily averages. - Travel carefree. Foreign transactions are auto-converted to your main currency using current exchange rates. - Stay in control. Set overall or per-category budgets and get gentle nudges before you overspend. - Hands-free recurring tracking. Create recurring payments once, and Sumi will log them automatically each billing cycle. Key features: - Auto-track transactions β€” Pay with Apple Pay and Sumi assigns categories, converts amounts to your main currency, and logs expenses automatically; manual entry is fast and easy. - Auto-convert foreign currencies β€” Track purchases abroad and see them converted to your main currency using up-to-date exchange rates. - Budgets that work β€” Create global or category budgets and monitor progress so you’re never surprised. - Subscriptions & recurring payments β€” Detect and track subscriptions; set recurring payments and Sumi logs them each cycle. - Insightful charts β€” Visualize spending versus income, category breakdowns, daily averages, and trends over time. Start using Spending Tracker: Sumi to understand where your money goes, make smarter choices, and move toward your financial goals with confidence. Sumi Pro: Unlock all features of Sumi: track expenses and income in multiple currencies with automatic conversion to your main currency. All prices below are in USD and may vary by region. Pricing and offers are subject to change. - Pro Weekly: $1.99/week, 3-day free trial, auto-renews weekly. - Lifetime: one-time $14.99. Terms of Use: https://sumi.constantout.com/terms Privacy Policy: https://sumi.constantout.com/privacy

Screenshots

Xpend4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: Xpend at none against Spending Tracker's 3. Xpend also leads on update cadence (daily vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spending Tracker sells 3 in-app purchases, starting at $1.99 per 7 days. Xpend asks for nothing beyond the download.

UpkeepUpdate frequency

Xpend ships an update daily, Spending Tracker every 3 months. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

Scorecard2 real differences Β· 4 level
Xpend versus Spending Tracker: the parameters behind the verdict, then further details
ParameterXpendSpending Tracker
PriceFreeFree
Update frequencyDaily β€” betterEvery 3 months
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhoneiPhone, iPad β€” better
Requires iOS17.216.6 β€” better
Further details β€” not scored
Size16 MB49 MB
Age rating4++4
DeveloperShiyas ShanvasConstantin Ginga

In-app purchases

None

Xpend

No in-app purchases

3 purchases

Spending Tracker

Subscriptions2
  • Sumi Pro - Weekly3 Days trial$1.997 Days
  • Sumi Pro - Annual$24.991 Year
One-time1
  • Sumi Pro - Lifetime$14.99

Questions

Is Xpend free?
Xpend is free to download, with no in-app purchases.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Do Xpend or Spending Tracker have ads?
Neither Xpend nor Spending Tracker shows ads.
Which is updated more often, Xpend or Spending Tracker?
Xpend ships an update daily, and Spending Tracker every 3 months. Most recently, Xpend was updated on October 27, 2026 and Spending Tracker on October 25, 2026.

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