Comparison

SpendLow vs Xsplitter

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

Head to head
About

SpendLow

Read full description

Speak to the app and it is logged. Just say it out loud, SpendLow writes it down and save it indefinitely! Most budget apps make you do the work of an accountant. Type the amount. Pick a category. Do the math. Keep the receipt somewhere. Nobody keeps that up. SpendLow does it for you. TALK YOUR EXPENSES, DO NOT TYPE THEM Say "twenty two dollars at the grocery store" and it is saved. No typing, no number pad, no menus. Log a purchase with your voice while you walk out of the store, drive home, or wait in line. If you hate entering expenses by hand, this is the app. SCAN A RECEIPT WITH YOUR CAMERA Take a photo of any receipt, bill, invoice, or pay stub and SpendLow reads the total, the date, and the store, then files it in the right category. You can also scan a screenshot of an online order or a payment confirmation. One picture and you are done. KEEP YOUR RECEIPTS FOR TAXES Every receipt you scan can be saved forever in the app. When tax time comes, or the IRS asks, or you need to return something, claim a warranty, get reimbursed, or write off a business expense, the proof is already saved and easy to find. No shoebox of paper. No digging through your camera roll in April. KNOW WHAT YOU CAN SPEND TODAY One simple number tells you how much is safe to spend today. It uses the money you actually have, the bills that are still coming, and what you are saving. Tap it to see exactly how the number was worked out. No guessing. FIND SUBSCRIPTIONS YOU FORGOT ABOUT SpendLow watches for charges that keep coming back and shows you the subscriptions and bills draining your account every month. Most people find money they did not know they were spending. NO BANK LOGIN REQUIRED You do not have to connect your bank account or hand over your bank password. Talk, scan, or tap to add spending. Your money stays your business. ALSO INSIDE Envelope budgeting for food, gas, fun, and bills, with no guilt when you go over Savings goals for a trip, a car, an emergency fund, or anything you are working toward Debt payoff plan with debt snowball or highest interest first, and the date you become debt free Net worth in one simple view Share one budget with your partner, husband, wife, or roommate, each with your own login Ask questions about your own spending and get a straight answer Spending reports by week or month, plus export to a spreadsheet for taxes or your accountant Home screen widget so your number is there before you spend Works in 13 currencies and 8 languages MADE FOR PEOPLE WHO HATE NUMBERS No spreadsheets. No math. No lectures. Miss a few days and nothing falls apart. There is always an undo button, and you can start fresh any time. Simple enough for a busy brain, including if you have ADHD, without making a big deal about it. PRIVACY Your money data is yours. No ads. We never sell your information. SpendLow Pro unlocks everything. The yearly plan comes with a 7 day free trial. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the current period ends, and you can manage or cancel anytime in your Apple ID settings. Terms of Use: https://spendlow.app/terms Privacy Policy: https://spendlow.app/privacy

About

Xsplitter

Features
Read full description

Xsplitter is a simple and intuitive expense-splitting app for friends, couples, roommates, and travel groups. Record shared expenses, see who paid what, and instantly understand how costs should be divided โ€” no spreadsheets and no manual calculations. Key Features โ€ข Quickly add expenses with categories and multiple currencies โ€ข Fairly split costs among selected members โ€ข Clear summaries of total group spending โ€ข Easily track who paid and who owes โ€ข Perfect for trips, daily life, and shared budgets Xsplitter focuses on clarity and ease of use, helping groups manage shared expenses with less confusion and fewer arguments. No ads. No accounts. No unnecessary complexity. Just simple expense splitting.

Screenshots

SpendLow4 screens
Xsplitter4 screens

Verdict

The call

The clearest difference is in-app purchases: Xsplitter at none against SpendLow's 3. Xsplitter also leads on update cadence (every 2 days vs every 6 months). On price, ads, device support and iOS requirement there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. SpendLow sells 3 in-app purchases, starting at $4.99 per month. Xsplitter asks for nothing beyond the download.

UpkeepUpdate frequency

SpendLow ships an update every 6 months, Xsplitter every 2 days. The most recent releases landed on September 25, 2026 and September 14, 2026 respectively.

Scorecard2 real differences ยท 4 level
SpendLow versus Xsplitter: the parameters behind the verdict, then further details
ParameterSpendLowXsplitter
PriceFreeFree
Update frequencyEvery 6 monthsEvery 2 days โ€” better
AdsNoNo
In-app purchasesYesNo โ€” better
DevicesiPhoneiPhone, iPad โ€” better
Requires iOS16.0 โ€” better17.6
Further details โ€” not scored
Size13 MB2 MB
Age rating4+4+
DeveloperSitou De SouzaJin Sheng Ang

In-app purchases

3 purchases

SpendLow

Subscriptions2
  • SpendLow Pro Monthly$4.991 Month
  • SpendLow Pro Yearly7 Days trial$49.991 Year
One-time1
  • SpendLow Pro Lifetime$99.99
None

Xsplitter

No in-app purchases

Questions

Is SpendLow free?
SpendLow is free to download, with in-app purchases available.
Is Xsplitter free?
Xsplitter is free to download, with no in-app purchases.
Do SpendLow or Xsplitter have ads?
Neither SpendLow nor Xsplitter shows ads.
Which is updated more often, SpendLow or Xsplitter?
SpendLow ships an update every 6 months, and Xsplitter every 2 days. Most recently, SpendLow was updated on September 25, 2026 and Xsplitter on September 14, 2026.

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