Don vs XP Spendly
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Don
This AI-powered personal finance app connects to your bank accounts to automatically track spending and answer your money questions in plain English. It offers a conversational interface for financial insights, smart transaction categorization, and goal setting with gamified elements.
- Conversational AI for financial questions
- Automatic transaction tagging and categorization
- Connects to 11,000+ banks via Plaid
- Year-over-year cash flow comparison
- Gamified savings and spending goals
- Net worth tracking
- Autopay and recurring charge detection
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Don requires a paid subscription. Every feature described below is included with it, and new accounts start with a 1-month free trial. The AI personal finance app that connects to your bank accounts, tracks spending automatically, and answers money questions in plain English. An AI budgeting app for iPhone built around answers, not spreadsheets. Ask "Am I on track this month?" and Don tells you. Ask "What are my biggest recurring charges?" and Don shows you. No dashboards to navigate. Just ask. WHAT YOUR SUBSCRIPTION INCLUDES CONVERSATIONAL AI FINANCE Don Chat is powered by Claude AI with 46 financial tools — it reads your real transactions and answers in plain language. "How much did I spend on food last month?" gets a real answer, not a redirect to a chart. AI TRANSACTION TAGGING — CATEGORIZATION THAT ACTUALLY STICKS Correct a transaction category once. Don creates a rule so that merchant is always categorized correctly from that point forward. Amazon is Amazon. Forever. No more re-categorizing the same store every week. CONNECT 10,000+ BANKS Checking, savings, credit cards, and investment accounts — all in one place via Plaid, the bank connection service used by thousands of financial apps. CASH FLOW YEAR-OVER-YEAR See your income vs. spending month by month, with last year's numbers side by side. Finally understand whether things are actually getting better. GOALS WITH XP, STREAKS, AND LEVELS Set savings and spending goals, earn XP, build streaks, level up. Budgeting that works like a game, not a spreadsheet. Difficulty tiers so easy wins build momentum. NET WORTH TRACKING Every account in one number. Watch it grow with a historical chart that shows the trend over time. AUTOPAY TRACKER Don detects your recurring charges and surfaces them before they hit, so you're never blindsided by a subscription you forgot about. SPENDING LIMITS (NOT BUDGETS) Set monthly limits by category with live progress bars. Check in without shame. Adjust without drama. SUBSCRIPTION AND PRICING Don is available by subscription only. There is no free tier — the 1-month free trial is how you try it, and access ends when a subscription is not active. • Don Monthly — $6.99 per month • Don Annual — $59.99 per year • Payment is charged to your Apple ID account at confirmation of purchase. • Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account is charged for renewal within 24 hours before the end of the current period. • Manage your subscription and turn off auto-renew in your Apple ID Account Settings after purchase. • Any unused portion of a free trial is forfeited when you purchase a subscription. Privacy Policy: https://don.financial/privacy Terms of Use (EULA): https://don.financial/terms
XP Spendly
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XP Spendly — Take Control of Your Money Know where your money goes. Build better habits. Stay in control of your everyday finances with XP Spendly, a simple way to organize your spending and manage your personal money. Whether you’re tracking daily purchases, planning ahead, or trying to save more, XP Spendly gives you a clear view of your financial activity in one place. SMART MONEY MANAGEMENT Keep your finances organized without complicated spreadsheets. Add transactions, categorize purchases and monitor your spending as you go. TRACK YOUR SPENDING Stay aware of your everyday spending and see where your money is going. A simple overview makes it easier to recognize patterns and make smarter decisions. PLAN AHEAD Set your financial goals, plan upcoming spending and create limits that help you stay on track. BUILD BETTER HABITS Small changes can make a big difference. Understanding your spending habits can help you make more confident choices and work toward your savings goals. KEEP EVERYTHING ORGANIZED From everyday purchases and personal expenses to recurring costs and other transactions, keep your financial activity structured and easy to understand. YOUR MONEY. YOUR PLAN. XP Spendly is designed for anyone who wants a simpler way to manage money, organize spending and build better financial habits. Track your spending. Plan your budget. Save with purpose. XP Spendly — your everyday companion for smarter money management.
Screenshots
Verdict
The clearest difference is in-app purchases: XP Spendly at none against Don's 2. Don's advantage is update cadence (every 3 days vs every 2 weeks). On price, 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
Both are free to download. Don sells 2 in-app purchases, starting at $6.99 per month. XP Spendly asks for nothing beyond the download.
Don ships an update every 3 days, XP Spendly every 2 weeks. Both last shipped on October 31, 2026.
| Parameter | Don | XP Spendly |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 22 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | vector.dev LLC | Mobry Network Technology, S.A. de C.V. |
In-app purchases
Don
- Don Monthly1 Month trial$6.991 Month
- Don Annual1 Month trial$59.991 Year
XP Spendly
No in-app purchases









