# Spending Tracker vs Xavier

The clearest difference is in-app purchases: Xavier at none against Spending Tracker's 5. Spending Tracker's advantage is device support (3 vs 1) and iOS requirement (15 vs 26.0). On price, update cadence and ads there is nothing between them.

Both are free to download. Spending Tracker sells 5 in-app purchases, starting at $1.99 per month. Xavier asks for nothing beyond the download.

Spending Tracker ships an update every 6 days, Xavier weekly. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Xavier |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (849 ratings)](https://appshunter.io/ios/app/spending-tracker-money-manager/id865818973/reviews)** | — |
| Number of ratings | **849** | — |
| Positive reviews | 81.6% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 6 days** | Weekly |
| Monetization | Free with in-app purchases | — |
| Size | 220 MB | 38 MB |
| Requires iOS | **15** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MISA JSC](https://appshunter.io/developer/518190309) | [Terrence Sng](https://appshunter.io/developer/6785018263) |

## What reviewers say

### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-money-manager/id865818973)

Effortlessly track income and expenses with intuitive reports and budget setting. Manage multiple accounts, savings, and loans with features like receipt scanning and data synchronization across devices.

**Highlights:** Income and expense recording, Budget setting with limits, Multiple account management, Savings book management, Financial analysis reports, Data synchronization across devices, Receipt scanning

**Features:** macOS Compatibility

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Money Keeper Premium | $1.99 | per month |
| Money Keeper Premium Yearly | $6.99 | per year |
| Giao diện vàng sang trọng | $5.99 | one-time |
| Themes vàng đồng sang trọng | $5.99 | one-time |
| Money Keeper Premium Lifetime | $24.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Helpful for managing finances
- 🚀 Convenient features
- ⭐ Great app overall

**What reviewers complain about**

- 🐛 Buggy and unreliable
- 🔒 Security and account issues
- 🔋 Performance problems
- 💸 Paid version not worth the cost

**Reported bugs**

- Transactions not syncing properly
- Accounts being deleted unexpectedly
- App crashes and freezes frequently
- Compatibility issues with newer OS versions

**Requested features**

- Add more customization options
- Improve syncing and backup functionality
- Integrate with banking/financial institutions
- Provide better customer support


### Xavier

[App page](https://appshunter.io/ios/app/xavier-expense-tracker/id6787694073)

**In-app purchases:** none


## Frequently asked questions

### Is Spending Tracker free?

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

### Is Xavier free?

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

### Do Spending Tracker or Xavier have ads?

Neither Spending Tracker nor Xavier shows ads.

### Which is updated more often, Spending Tracker or Xavier?

Spending Tracker ships an update every 6 days, and Xavier weekly. Most recently, Spending Tracker was updated on October 24, 2026 and Xavier on October 20, 2026.

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