Comparison

Budgeting App vs Penny

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

Head to head
About

Budgeting App

Manage your personal finances with this comprehensive budget planner and expense tracker. It offers features like device syncing, custom categories, flexible budgeting, and insightful analytics to help you stay on track with your spending and savings goals.

Highlights
  • Sync across devices
  • Customizable spending categories
  • Flexible budget creation (weekly, monthly)
  • Track income and expenses
  • Automated recurring transactions
  • Detailed spending analytics
  • Multiple account management
  • Savings and loan tracking
Features
Read full description

The Budgeting App is a manual-first budget planner and expense tracker for people who want to feel in control of their money, not just watch an automatic dashboard. When you log spending yourself, you stay aware of every purchase, notice your habits, and make calmer decisions about where your money goes. - Flexible budgets that fit your life: create weekly, fortnightly, or monthly budgets and see at a glance whether you're on track. - Fast expense logging: add income and spending in seconds, with a built-in calculator so you can do the maths before you save. - Custom categories: organise your spending with categories and icons you choose, so your budget reflects how you actually live. - Insightful analytics: spot patterns in your spending and make informed decisions about credit cards, savings, and your emergency fund. - Recurring transactions: keep track of regular bills and subscriptions, from insurance to streaming, so nothing catches you by surprise. - Savings and loan trackers: set savings goals and follow loan repayments in one place to stay focused on what matters. - Multiple accounts and currencies: manage separate accounts, each with its own budgets, goals, and currency. - Automatic bank sync (Australia, United States, and Canada): connect your bank to import transactions automatically, then review and categorise them yourself. Bank connections are provided by Fiskil in Australia and Plaid in the United States and Canada. Everywhere else, The Budgeting App is manual by design. - Sync across devices: pick up your budget on any device and stay on top of your spending wherever you are. Budgeting works best when you're part of it. The Budgeting App keeps you close to your money so good habits actually stick. Download The Budgeting App and start budgeting with intention today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ [:mav: 5.9.3]

About

Penny

Features
Read full description

Subscriptions are sneaky. Penny is sneakier. Penny keeps every subscription in one tidy place, shows you exactly where your money goes each month, and taps you on the shoulder before a bill hits. No more mystery charges. No more "wait, I still pay for that?" And here is the twist: a subscription tracker with no subscription. Penny Pro is a one-time purchase, yours forever. WHAT PENNY DOES - Your subscriptions in one clear view - Monthly and yearly spending at a glance - Reminders before bills sneak up on you - Organised by category, so things stay tidy - Quick to add, easy to manage, free to start PENNY PRO (one-time purchase, no subscription, ever) - Unlimited subscriptions - Custom reminders, you pick when Penny nudges you - A calendar of upcoming renewals with a weekly breakdown - Full analytics that turn your spending into an "ohhh, that is where it goes" - Custom categories and colors - iCloud sync between iPhone and Mac - Every future update included Pay once. Keep Penny forever. Your wallet will purr.

Screenshots

Budgeting App4 screens
Penny4 screens

Verdict

The call

The clearest difference is update cadence: Budgeting App at weekly against Penny's monthly. On price, ads, 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. Budgeting App sells 7 in-app purchases, starting at $2.99 per month and Penny sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Budgeting App ships an update weekly, Penny monthly. The most recent releases landed on October 23, 2026 and October 6, 2026 respectively.

Scorecard1 real difference · 9 level
Budgeting App versus Penny: the parameters behind the verdict, then further details
ParameterBudgeting AppPenny
PriceFreeFree
Rating4.7 (87 ratings) — better—
Positive reviews78.9% of reviews—
Number of ratings87 — better—
Update frequencyWeekly — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, Mac
Requires iOS16.0 — better17.0
Further details — not scored
Size63 MB4 MB
Age rating4+4+
DeveloperThe Budgeting CompanyGregorio Aquino

In-app purchases

7 purchases

Budgeting App

Subscriptions5
  • Pro (Monthly)$2.991 Month
  • Lifetime Bank Sync Add-On (Monthly)$5.991 Month
  • Pro Sync (Monthly)1 Month trial$9.991 Month
Show 2 more
  • Pro (Annual)$26.491 Year
  • Pro Sync (Annual)1 Month trial$89.991 Year
One-time2
  • The Budgeting App Pro Lifetime$33.99
  • The Budgeting App Pro Lifetime$59.90
1 purchases

Penny

One-time1
  • Penny Pro$4.99

Questions

Is Budgeting App free?
Budgeting App is free to download, with in-app purchases available.
Is Penny free?
Penny is free to download, with in-app purchases available.
Do Budgeting App or Penny have ads?
Neither Budgeting App nor Penny shows ads.
Which is updated more often, Budgeting App or Penny?
Budgeting App ships an update weekly, and Penny monthly. Most recently, Budgeting App was updated on October 23, 2026 and Penny on October 6, 2026.

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