Comparison

Spending Tracker vs PennyDay

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

Head to head
About

Spending Tracker

Manage your personal finances by tracking income and expenses across multiple accounts and categories. View detailed reports with graphs and easily search for transactions. Secure your data with a passcode lock and sync across devices.

Highlights
  • Track income and expenses
  • Manage multiple accounts and payees
  • Categorize transactions
  • View daily, weekly, monthly, yearly summaries
  • Detailed graph reports
  • Search transactions
  • iCloud sync and passcode lock
Features
Read full description

If you are looking for the best personal finance application, this is the app for you! SpendingTrackerLog helps you to track your income and spendings. You can add transactions under different categories, such as income, food, shopping. Summaries for today/week/month/year are displayed right at home page. You can view detailed report for each month in beautiful graphs and find transaction easily through search. Try it yourself to see more features! Features: - Add multiple accounts - Add multiple payees - Add income/expense transactions under different category - Add customize income/expense category name - Add transactions quickly - Instant summary for today/week/month/year - View history records and compare them - iCloud sync - Passcode lock - Export through email - Separate graph report for income or expense alone - Search for transaction by Category, Payee, Between two dates or any of them - Intuitive UI, easy to use Multiple data export: - Monthly transaction history - Monthly transaction history for each category - All transactions for each account - All transactions for each member - Transactions under custom search conditions - Two date ranges between the transaction records

About

PennyDay

Manage your finances with a calendar-based budget planner and expense tracker. Visualize cash flow by day, track multiple accounts, and gain insights into spending trends. Personalize categories with emojis for a more intuitive financial overview.

Highlights
  • Calendar budgeting
  • Expense tracking
  • Multi-account support
  • Emoji category customization
  • Insights and reports
  • Privacy features
Features
Read full description

Track expenses in seconds and see your money day by day. PennyDay combines fast manual entry, a clear budget calendar, and useful spending insights—without linking a bank account. TRACK MONEY IN SECONDS • Record expenses, income, and transfers with a focused quick-add flow • Organize cash, bank, and credit card accounts in one place • Create categories that match the way you spend • Review and filter your complete transaction history SEE WHERE YOUR MONEY GOES • Read daily income and expenses directly from the calendar • Follow monthly cash flow, spending trends, and summaries • Compare category and account breakdowns • Spot recurring costs and understand your spending patterns PLAN WITHOUT THE COMPLEXITY • Set category budgets and keep an eye on progress • Schedule recurring entries for regular bills and income (Pro) • Turn on reminders so logging stays part of your routine • Manage multiple manual accounts without bank connections PRIVATE AND IN YOUR CONTROL • Your financial records stay on your device by default • Protect the app with a passcode and Face ID where available • Create local snapshot backups and restore them when you choose • When iCloud is available, manual backup also saves an iCloud snapshot • Backup is user-controlled and is not real-time device sync PENNYDAY PRO Upgrade to remove ads and unlock recurring entries with reminders, unlimited category budgets, tag budgets, rolling Analysis ranges (last 6 and 12 months), automatic iCloud snapshot backup with longer retention, unlimited photo attachments, premium themes, and Home customization. PennyDay is built for people who want a fast, private way to understand everyday money without the setup and complexity of connected finance apps. Questions or feedback? Contact urcashfixer@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Spending Tracker4 screens
PennyDay4 screens

Verdict

The call

The clearest difference is price: PennyDay at Free against Spending Tracker's $1.99. PennyDay also leads on ratings volume (7 vs 1). Spending Tracker's advantage is in-app purchases (none vs 3) and ads (none vs shown). On update cadence 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

CostPrice · In-app purchases · Ads · Monetization

PennyDay is free to download; Spending Tracker costs $1.99 up front. PennyDay sells 3 in-app purchases, starting at $1.99 per month. Spending Tracker asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Spending Tracker holds the better App Store score, 4.0 against 3.7. That said, the two scores are not equally well evidenced: PennyDay has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 100% of Spending Tracker's written reviews are positive against 73% of PennyDay's.

UpkeepUpdate frequency

Spending Tracker ships an update every 5 days, PennyDay weekly. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

Scorecard9 real differences · 1 level
Spending Tracker versus PennyDay: the parameters behind the verdict, then further details
ParameterSpending TrackerPennyDay
Price$1.99Free — better
Rating4.0 (1 ratings) — better3.7 (7 ratings)
Positive reviews100.0% of reviews — better72.7% of reviews
Number of ratings17 — better
Update frequencyEvery 5 days — betterWeekly
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaidAd-supported — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size4 MB77 MB
Age rating4+4+
Developer永文 胡EFFENDY EKA SAPUTRA

Customer experience

Spending Tracker

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

PennyDay

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews22 reviews
Positive72.7%
Neutral4.5%
Negative22.7%

In-app purchases

None

Spending Tracker

No in-app purchases

3 purchases

PennyDay

Subscriptions3
  • PennyDay Pro$1.991 Month
  • PennyDay Pro$3.993 Months
  • PennyDay Pro7 Days trial$11.991 Year

Questions

Is Spending Tracker free?
Spending Tracker costs $1.99, with no in-app purchases.
Is PennyDay free?
PennyDay is free to download, with in-app purchases available.
Which has better reviews, Spending Tracker or PennyDay?
Spending Tracker is rated higher. Spending Tracker averages 4.0 out of 5 from 1 ratings, while PennyDay averages 3.7 from 7 ratings.
Do Spending Tracker or PennyDay have ads?
PennyDay shows ads; Spending Tracker does not.
Which is updated more often, Spending Tracker or PennyDay?
Spending Tracker ships an update every 5 days, and PennyDay weekly. Most recently, Spending Tracker was updated on October 26, 2026 and PennyDay on October 27, 2026.

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