# Money Focus vs PennyDay

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.

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.

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.

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

## The numbers

| Metric | Money Focus | PennyDay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (72 ratings)](https://appshunter.io/ios/app/money-focus/id1190195502/reviews)** | [3.7 (7 ratings)](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865/reviews) |
| Number of ratings | **72** | 7 |
| Positive reviews | **79.1% of reviews** | 72.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 4 months | **Weekly** |
| Monetization | Subscription | **Free with in-app purchases** |
| Size | 46 MB | 76 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [EFFENDY EKA SAPUTRA](https://appshunter.io/developer/1016446377) |

## What reviewers say

### Money Focus

[App page](https://appshunter.io/ios/app/money-focus/id1190195502)

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:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $2.99 | per 6 months |
| Pro Version | $4.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💰 Great for tracking expenses
- 📈 Excellent for planning and organization
- 🗄️ Comprehensive features
- 📊 Useful reporting options

**What reviewers complain about**

- 🐛 Frequent crashes
- 💸 Ads in free version
- 📉 Confusing budgeting module
- 🔄 Issues after updates
- ⚠️ Data loss reported

**Reported bugs**

- 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

**Requested features**

- 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


### PennyDay

[App page](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyDay Pro | $1.99 | per month |
| PennyDay Pro | $3.99 | per 3 months |
| PennyDay Pro | $11.99 | per year |


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