Comparison

QarzGo vs XP Spendly

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

Head to head
About

QarzGo

Features
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QarzGo β€” qarz daftaringiz endi telefoningizda. Daftar va ruchka o'rniga, mijozlaringizni va har bir qarz amaliyotini bir joyda yuriting. KIMGA MOS: β€’ Do'kon va savdo egalari β€” mijozlar nasiyasini yuritish uchun β€’ Kichik biznes va xizmat ko'rsatuvchilar β€’ Shaxsiy qarzlarni (do'st, qarindosh) eslab qolish uchun ASOSIY IMKONIYATLAR: β€’ Berdim / Oldim β€” har bir amaliyotni yozing, balans avtomatik hisoblanadi β€’ Mijoz bo'yicha aniq balans β€” kim sizdan, kim sizga qarzdor β€’ Muddatli qarzlar + o'z vaqtida eslatmalar (kechikkanlarini ko'rsatadi) β€’ Bir nechta do'kon va kassirlar β€” har kassirga alohida ruxsat va do'kon β€’ Hisobotlar β€” umumiy balans, do'kon va kassir kesimida β€’ Izoh, sana, summa β€” har bir amaliyot tafsiloti β€’ Bulutda xavfsiz saqlash β€” qurilmangizni yo'qotsangiz ham ma'lumot saqlanadi β€’ Telegram yoki apple xisobingizdan kiring NEGA QARZGO: β€’ Tez va sodda β€” bir necha tegishda amaliyot qo'shasiz β€’ Xavfsiz β€” ma'lumotlar shifrlangan, hech kimga sotilmaydi β€’ O'zbek, rus va ingliz tillarida Qarzlaringizni boshqarishni soddalashtiring β€” QarzGo bilan.

About

XP Spendly

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XP Spendly β€” 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 β€” your everyday companion for smarter money management.

Screenshots

QarzGo4 screens
XP Spendly4 screens

Verdict

The call

QarzGo and XP Spendly are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

QarzGo ships an update weekly, XP Spendly every 2 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

ScorecardNo meaningful differences
QarzGo versus XP Spendly: the parameters behind the verdict, then further details
ParameterQarzGoXP Spendly
PriceFreeFree
Update frequencyWeekly β€” betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad β€” betteriPhone
Requires iOS18.217.0 β€” better
Further details β€” not scored
Size70 MB2 MB
Age rating4+4+
DeveloperNEW EDUMobry Network Technology, S.A. de C.V.

In-app purchases

None

QarzGo

No in-app purchases

None

XP Spendly

No in-app purchases

Questions

Is QarzGo free?
QarzGo is free to download, with no in-app purchases.
Is XP Spendly free?
XP Spendly is free to download, with no in-app purchases.
Do QarzGo or XP Spendly have ads?
Neither QarzGo nor XP Spendly shows ads.
Which is updated more often, QarzGo or XP Spendly?
QarzGo ships an update weekly, and XP Spendly every 2 weeks. Most recently, QarzGo was updated on November 5, 2026 and XP Spendly on October 31, 2026.

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