# Xpenses vs WhoPays

The clearest difference is in-app purchases: WhoPays at none against Xpenses's 3. WhoPays also leads on update cadence (weekly vs every 2 months) and iOS requirement (15.0 vs 17). On price, ads and device support there is nothing between them.

Both are free to download. Xpenses sells 3 in-app purchases, starting at $0.99 per month. WhoPays asks for nothing beyond the download.

Xpenses ships an update every 2 months, WhoPays weekly. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Xpenses | WhoPays |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/xpenses-finances-tracker/id6743875432/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Freemium | — |
| Size | 12 MB | 59 MB |
| Requires iOS | 17 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ana Filipe](https://appshunter.io/developer/1805012579) | [Damian Troncoso](https://appshunter.io/developer/1448100590) |

## What reviewers say

### Xpenses

[App page](https://appshunter.io/ios/app/xpenses-finances-tracker/id6743875432)

Manage your personal finances with a privacy-focused expense tracker. Organize spending, set budgets, and gain insights into your financial habits with local data storage and no ads.

**Highlights:** Unlimited expense & income tracking, Local-only data storage, Predefined and custom categories, Monthly summaries and graphs, iCloud Sync, Partner Sharing, CSV Import & Export

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Xpenses Premium (1 Month) | $0.99 | per month |
| Xpenses Premium (1 Year) | $8.99 | per year |
| Premium Lifetime | $14.99 | one-time |


### WhoPays

[App page](https://appshunter.io/ios/app/whopays-settle-up/id6754236656)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Xpenses free?

Xpenses is free to download, with in-app purchases available.

### Is WhoPays free?

WhoPays is free to download, with no in-app purchases.

### Do Xpenses or WhoPays have ads?

Neither Xpenses nor WhoPays shows ads.

### Which is updated more often, Xpenses or WhoPays?

Xpenses ships an update every 2 months, and WhoPays weekly. Most recently, Xpenses was updated on November 4, 2026 and WhoPays on October 31, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*