Comparison

Expense Manager vs PayFlow

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

Head to head
About

Expense Manager

This personal finance app helps you track and manage your expenses and income. It offers tools to understand spending habits, set budgets, and view financial progress through charts and reports. Organize transactions with folders and categories for better financial control.

Highlights
  • Expense and income tracking
  • Monthly budget setting
  • Organize expenses with folders
  • Graphical spending reports
  • Export to CSV and PDF
  • Passcode lock for security
  • Customizable themes
Features
Read full description

Penny is a personal expense tracker app that let you track and control your money. Track your expense and income Understand where you spend your money Set and keep eye on your monthly budget Easy and Innovative Features: - Simple, attractive and easy to understand user interface - Track your spendings quickly and easily - Set budget to achieve your goal - Overview of current progress of your spendings - Create folders to organise expenses - Easy and Quick to add, edit and delete your transactions - Assign category to transactions - Sort by date, amount spent, name and category - Smart search using date range, amount range and word - Filter expenses on monthly, weekly, daily and yearly basis - Switch between budget view and available balance view Themes - Set your app theme with variety of different colours - Add different colours to folders - Graphical presentation as Donut and Bar view Settings - Set reminder to notify to add expenses so that you can not miss any transactions - Set date format to appear in app - Change app language of your choice - Passcode lock to secure your data Reports - Charts to track your spendings - Category grouping of expenses - See the percentage share of category Exports - Export reports as .csv and .pdf - Share expenses with your friends and colleagues using email, messages, notes, WhatsApp & etc - Upload to iCloud drive, Google drive, Dropbox and more Available in English, Chinese, Spanish, French, Italian, Portuguese, Dutch, Russian, German, Japanese, Korean and Turkish.

About

PayFlow

Features
Read full description

Кредитный калькулятор это удобное приложение для быстрого расчета кредита прямо на iPhone. С помощью приложения вы сможете: рассчитать ежемесячный платеж узнать переплату по кредиту увидеть итоговую сумму возврата быстро менять сумму, срок и процентную ставку сохранять расчеты (если есть) и сравнивать варианты Подходит для расчета: • потребительского кредита • рассрочки • автокредита • ипотеки (базовый расчет) Все расчеты выполняются прямо в приложении быстро и просто.

Screenshots

Expense Manager4 screens
PayFlow1 screens

Verdict

The call

The clearest difference is iOS requirement: Expense Manager at 9.3 against PayFlow's 26.2. On price, update cadence, 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. Expense Manager sells 1 one-off in-app purchase and PayFlow sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Expense Manager ships an update fortnightly, PayFlow every 3 weeks. The most recent releases landed on October 16, 2026 and October 5, 2026 respectively.

Scorecard1 real difference · 9 level
Expense Manager versus PayFlow: the parameters behind the verdict, then further details
ParameterExpense ManagerPayFlow
PriceFreeFree
Rating3.8 (4 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings4 — better—
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad
Requires iOS9.3 — better26.2
Further details — not scored
Size3 MB3 MB
Age rating4+4+
DeveloperJanhavi WaghKirill Lysenko

In-app purchases

1 purchases

Expense Manager

One-time1
  • Upgrade to Pro$1.99
1 purchases

PayFlow

One-time1
  • Считай выгодно$8.99

Questions

Is Expense Manager free?
Expense Manager is free to download, with in-app purchases available.
Is PayFlow free?
PayFlow is free to download, with in-app purchases available.
Do Expense Manager or PayFlow have ads?
Neither Expense Manager nor PayFlow shows ads.
Which is updated more often, Expense Manager or PayFlow?
Expense Manager ships an update fortnightly, and PayFlow every 3 weeks. Most recently, Expense Manager was updated on October 16, 2026 and PayFlow on October 5, 2026.

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