Comparison

Money Focus vs PennyDay

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

Head to head
About

Money Focus

Manage personal and business finances with this comprehensive app. Track accounts, create budgets, monitor bills, and generate detailed reports. Supports multiple profiles, currencies, and offers passcode protection for your financial data.

Highlights
  • Account transaction and balance tracking
  • Budget creation and tracking
  • Bill management with reminders
  • Income and expense tracking
  • Multiple profile support
  • Financial reports and charts
  • Passcode protection
Features
Read full description

A simple but comprehensive, brief and clear personal & business finance management app. Be good at managing money matters will make your life relaxed and well-organized. Check your Accounts transactions and balance; Check Transactions under a Category; Create Budgets and track transactions under them; Track income and expense Bills and make sure they are paid on time. View Transactions by date. It supports multiple profiles; you can track yours, family members or business finance separately. It can list your transaction by daily, weekly, monthly or yearly, and generate kinds of reports, so you can see clearly about your earnings and spending. Key Features: ⁃ Add a transaction with photo of receipt, payees, account, category, budget, check number, and date. ⁃ Track total accounts balance and balance of each account. ⁃ Check transactions of each account. ⁃ Create categories and sub-categories. ⁃ Check transactions and amounts under a category. ⁃ Create budgets and transaction their transactions. ⁃ Calendar and list view of bills. ⁃ Mark bills as fully or partially paid. ⁃ Create bills reminders to make sure they are paid on time. ⁃ Calendar and list view of Bills. ⁃ Track income and expense bills with or without a repeat cycle. ⁃ Show all transactions by daily, weekly, monthly and yearly. ⁃ Copy transaction to quick add a new one. ⁃ Hide or show cleared transactions. ⁃ Add repeat and one time transactions. ⁃ Mark transaction as cleared or not. ⁃ Dividing one transaction to multiple. ⁃ Built-in calculator or default keyboard to enter amount. ⁃ Check total accounts balance chart view. ⁃ Supports multiple currencies. ⁃ Search transactions by payee, category, account, amount or note. ⁃ Over view of recently finance status. ⁃ Nine finance reports. ⁃ Supports multiple groups, manage your personal, family member and business finance separately. ⁃ Passcode protection. ⁃ Share data by email. ⁃ Supports AirPrint. ⁃ iCloud backup and restore. ⁃ Dropbox backup and restore. ⁃ Create multiple reminders. ⁃ Refresh exchange rate or change them manually. ⁃ Supports Today Widget. ⁃ Supports Apple Watch. ⁃ Supports universal version (available on both iPhone and iPad). Payment: Payment will be charged to iTunes Account at confirmation of purchase. Subscribe semiannual. You will be charged in your local currency at the prevailing exchange rate as defined by iTunes." Purchase semiannual subscription for all features for USD$2.99. Auto Renew: Once subscribes, your account will be charged USD$2.99/semiannual, based on your previous subscription, for renewal within 24-hours before the end of the current period. Change Subscription Type: If you want to change your subscription type, Open the "Settings" app. Tap your name, then tap "Subscribe." Tap the name of the subscription you want to change. If different types of subscriptions are available, a list will be displayed. Tap the desired option.Tap "Buy". Share Subscription: If you want to share a subscription with family, please open the Settings app, tap your name and Subscriptions. Then tap the name of the subscription that you can share with family, scroll down and turn on Share with Family. Cancel Subscription: Subscriptions are managed by your Apple account and auto-renewal can be turned off at least 24 hours before the end of the current period, in Account Settings after purchase. By completing your subscription, you agree to app's Term of Use & Privacy Policy. Term of Use:https://www.thelinklinks.com/term.html Privacy Policy:https://www.thelinklinks.com/privacypolicy.html If you have any question or want to add more units, please email to linklinksapp@tom.com.

About

PennyDay

Quickly log expenses and income to visualize your daily spending habits. This app offers a clear budget calendar and insights into your cash flow without requiring bank account linking. Manage multiple accounts and set budgets to understand your financial patterns.

Highlights
  • Fast manual expense and income logging
  • Budget calendar view
  • Spending insights and cash flow analysis
  • Multiple account management
  • Category and account breakdowns
  • Recurring entry scheduling (Pro)
  • Passcode and Face ID protection
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

Money Focus4 screens
PennyDay4 screens

Verdict

The call

The clearest difference is monetization model: PennyDay at free with in-app purchases against Money Focus's subscription. PennyDay also leads on update cadence (weekly vs every 4 months). Money Focus's advantage is rating (4.2 vs 3.7) and ratings volume (72 vs 7). On price, review sentiment, ads and in-app purchases 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

Both are free to download. Money Focus sells 2 in-app purchases, starting at $2.99 per 6 months and PennyDay sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Money Focus holds the better App Store score, 4.2 against 3.7. That said, the two scores are not equally well evidenced: Money Focus has 72 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 79% of Money Focus's written reviews are positive against 73% of PennyDay's.

UpkeepUpdate frequency

Money Focus ships an update every 4 months, PennyDay weekly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

Scorecard6 real differences · 4 level
Money Focus versus PennyDay: the parameters behind the verdict, then further details
ParameterMoney FocusPennyDay
PriceFreeFree
Rating4.2 (72 ratings) — better3.7 (7 ratings)
Positive reviews79.1% of reviews — better72.7% of reviews
Number of ratings72 — better7
Update frequencyEvery 4 monthsWeekly — better
AdsYesYes
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size46 MB76 MB
Age rating4+4+
DeveloperLINKLINKS LTDEFFENDY EKA SAPUTRA

Customer experience

Money Focus

All ratings72 ratings
Positive81.9%
Neutral2.8%
Negative15.3%
Written reviews91 reviews
Positive79.1%
Neutral6.6%
Negative14.3%

PennyDay

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

Bugs and requests

Money Focus

Reported bugs

14 issues
  • Auto-fill for payers and payees not working after update 7.0
  • SALDI DEI CONTI and FLUSSO CONTANTI fields not working
  • QUEST’ANNO search not working
  • Decimal point not available in calculator
  • App crashes when updating category
Show 9 more
  • App crashes when selecting an account
  • App crashes immediately upon opening after iOS 14.2 update
  • Transactions disappear when clearing others
  • Dropbox crashes when selected
  • Email and print button not working
  • App crashes when putting in a new bill and choosing category
  • Data lost after app crash
  • Keyboard lost decimal point after update
  • Beneficiary/payer loading is very slow

Requested features

14 requests
  • Add decimal point/period to calculator
  • Add Arabic language support
  • Improve auto-fill for payers and payees
  • Add import functionality
  • Implement stack to add view money transactions and budget
Show 9 more
  • Add dark mode
  • Improve sync between devices
  • Allow splitting transactions across multiple budgets
  • Add money goal setting
  • Allow adding transactions from any page/account
  • Add account logos
  • Add different theme options
  • Improve budgeting module
  • Add tutorials for features

PennyDay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Money Focus

Subscriptions1
  • Premium - 6 months$2.996 Months
One-time1
  • Pro Version$4.99
3 purchases

PennyDay

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

Questions

Is Money Focus free?
Money Focus is free to download, with in-app purchases available.
Is PennyDay free?
PennyDay is free to download, with in-app purchases available.
Which has better reviews, Money Focus or PennyDay?
Money Focus is rated higher. Money Focus averages 4.2 out of 5 from 72 ratings, while PennyDay averages 3.7 from 7 ratings.
Do Money Focus or PennyDay have ads?
Both Money Focus and PennyDay show ads.
Which is updated more often, Money Focus or PennyDay?
Money Focus ships an update every 4 months, and PennyDay weekly. Most recently, Money Focus was updated on November 2, 2026 and PennyDay on November 7, 2026.

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