Comparison

Spending Tracker vs XSD

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

Head to head
About

Spending Tracker

Easily track expenses, split bills, and manage money with others. Features AI receipt scanning, voice input, and customizable tracking spaces for personal or shared finances. Get real-time budget updates and spending analytics.

Highlights
  • AI receipt scanning
  • Voice transaction input
  • Customizable tracking spaces
  • Expense splitting
  • Real-time budget updates
  • Spending analytics
Features
Read full description

Budget Ally: Track & Share Expenses Effortlessly Split bills, track spending, and manage money with anyone - partners, family, or friends. Key Features: • Scan receipts using AI • Input transactions using your voice • Create custom tracking spaces for different needs (personal, shared, travel) • Split expenses and track who paid what • Real-time budget updates and spending analytics • Dark & light mode • Customizable categories with icons Perfect for: • Couples sharing household expenses • Roommates splitting bills • Family budgeting • Travel expenses with friends • Personal finance tracking Download now and take control of your finances!

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

Spending Tracker4 screens
XSD2 screens

Verdict

The call

The clearest difference is price: Spending Tracker at Free against XSD's $4.99. Spending Tracker also leads on update cadence (every 5 days vs every 5 months). XSD's advantage is in-app purchases (none vs 4). On ads, device support and iOS requirement 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

Spending Tracker is free to download; XSD costs $4.99 up front. Spending Tracker sells 4 in-app purchases, starting at $2.99 per month. XSD asks for nothing beyond the download.

UpkeepUpdate frequency

Spending Tracker ships an update every 5 days, XSD every 5 months. The most recent releases landed on November 4, 2026 and November 8, 2026 respectively.

Scorecard3 real differences · 6 level
Spending Tracker versus XSD: the parameters behind the verdict, then further details
ParameterSpending TrackerXSD
PriceFree — better$4.99
Rating3.7 (3 ratings) — better—
Number of ratings3 — better—
Update frequencyEvery 5 days — betterEvery 5 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size37 MB1 MB
Age rating4+4+
DeveloperJeffrey KehlerMarco Tini

In-app purchases

4 purchases

Spending Tracker

Subscriptions2
  • Premium (Monthly)7 Days trial$2.991 Month
  • Premium (Annual)7 Days trial$24.991 Year
One-time2
  • Premium (Limited time offer)Free
  • Premium (Lifetime)$59.99
None

XSD

No in-app purchases

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is XSD free?
XSD costs $4.99, with no in-app purchases.
Do Spending Tracker or XSD have ads?
Neither Spending Tracker nor XSD shows ads.
Which is updated more often, Spending Tracker or XSD?
Spending Tracker ships an update every 5 days, and XSD every 5 months. Most recently, Spending Tracker was updated on November 4, 2026 and XSD on November 8, 2026.

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