Comparison

PennyDay vs Expense+

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

Head to head
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 • 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 unlimited recurring entries, additional category and tag budgets, rolling Analysis ranges, CSV export, automatic iCloud snapshot backup with longer retention, and additional photo attachments. 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/

About

Expense+

This offline money tracker prioritizes security and ease of use with fast bookkeeping and multi-ledger support. It offers detailed revenue and expenditure analysis, asset trend tracking, and multi-currency management without advertisements.

Highlights
  • Offline data storage
  • Fast bookkeeping with integrated calculator
  • Multi-ledger and multi-account support
  • Revenue and expenditure analysis
  • Asset trend tracking
  • Multi-currency management
  • No advertising
Features
Read full description

[Our design philosophy] Our design philosophy is ” back to the tool basic ". The definition of tool : first, it must be able to solve problem effectively while reliable. Even out of network connectivity, e.g. in the middle of sea or mountain, people should be able to use it. Among the online popular products today, our offline money tracking App back to the basic of tool. [product functions] Offline version: local data storage, let you feel more secure. Fast bookkeeping: simplified operation, integrated addition, subtraction, multiplication and division of the input method, so that it takes less time to write down an account. Multi-ledger support: life, work, travel, baby special fund... Each scenario can be recorded in a separate ledger. Multiple account support: either cash or credit CARDS, or virtual currency accounts can be managed one by one. Multiple members: expenses, whether on yourself or on your wife, children or parents, can be categorised separately. Multi-currency support: supports the management and conversion of most international currencies, virtual currencies and their exchange rates. Revenue and expenditure analysis: provide revenue and expenditure analysis data within the set date range. Where does every penny go?spending for who? Which account was spent? It's all clearly arranged. Asset trend: provides the variation trend of assets and net assets within the date range. Transfer between accounts: a small feature, but closer to the real money movement scenario. No advertising: We all had enough of it. The free version basically provides more function than you need. If you need more advanced function, you may buy our paid version. 【Buy Instructions】 1. 1-year Subscription: Pay for a 1-year subscription, yearly subscription will renew automatically unless you unsubscribe, you can cancel your subscription at anytime, all your data will remain unchanged. 2. Permanent Buy: Buy a permanent product use right. 【Terms】 Terms of use: https://328expense.com/terms-and-conditions/ Privacy policy: https://328expense.com/privacy-policy/ [contact information] Email address: admin@328car.com

Screenshots

PennyDay4 screens
Expense+4 screens

Verdict

The call

The clearest difference is rating: Expense+ at 5.0 against PennyDay's 3.7. Expense+ also leads on ads (none vs shown) and update cadence (every 5 days vs every 2 weeks). PennyDay's advantage is monetization model (ad-supported vs free with in-app purchases) and ratings volume (7 vs 2). On price, in-app purchases and device support 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. PennyDay sells 3 in-app purchases, starting at $1.99 per month and Expense+ sells 3 in-app purchases, starting at $6.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Expense+ holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 7 and 2 respectively.

UpkeepUpdate frequency

PennyDay ships an update every 2 weeks, Expense+ every 5 days. The most recent releases landed on September 20, 2026 and September 8, 2026 respectively.

Scorecard6 real differences · 4 level
PennyDay versus Expense+: the parameters behind the verdict, then further details
ParameterPennyDayExpense+
PriceFreeFree
Rating3.7 (7 ratings)5.0 (2 ratings) — better
Positive reviews72.7% of reviews—
Number of ratings7 — better2
Update frequencyEvery 2 weeksEvery 5 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS17.014.1 — better
Further details — not scored
Size72 MB45 MB
Age rating4+4+
DeveloperEFFENDY EKA SAPUTRASze Kwok Cheung

Customer experience

PennyDay

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

Expense+

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

PennyDay

Subscriptions3
  • PennyDay Pro$1.991 Month
  • PennyDay Pro$3.993 Months
  • PennyDay Pro$11.991 Year
3 purchases

Expense+

Subscriptions1
  • Yearly Renew$6.991 Year
One-time2
  • Yearly Subscribe$5.99
  • Permanent Purchase$11.99

Questions

Is PennyDay free?
PennyDay is free to download, with in-app purchases available.
Is Expense+ free?
Expense+ is free to download, with in-app purchases available.
Which has better reviews, PennyDay or Expense+?
Expense+ is rated higher. PennyDay averages 3.7 out of 5 from 7 ratings, while Expense+ averages 5.0 from 2 ratings.
Do PennyDay or Expense+ have ads?
PennyDay shows ads; Expense+ does not.
Which is updated more often, PennyDay or Expense+?
PennyDay ships an update every 2 weeks, and Expense+ every 5 days. Most recently, PennyDay was updated on September 20, 2026 and Expense+ on September 8, 2026.

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