Budgeting App vs Penny
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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]
Penny
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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
Verdict
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
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.
Budgeting App ships an update weekly, Penny monthly. The most recent releases landed on October 23, 2026 and October 6, 2026 respectively.
| Parameter | Budgeting App | Penny |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (87 ratings) — better | — |
| Positive reviews | 78.9% of reviews | — |
| Number of ratings | 87 — better | — |
| Update frequency | Weekly — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad | iPhone, Mac |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 63 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | The Budgeting Company | Gregorio Aquino |
In-app purchases
Budgeting App
- Pro (Monthly)$2.991 Month
- Lifetime Bank Sync Add-On (Monthly)$5.991 Month
- Pro Sync (Monthly)1 Month trial$9.991 Month
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- Pro (Annual)$26.491 Year
- Pro Sync (Annual)1 Month trial$89.991 Year
- The Budgeting App Pro Lifetime$33.99
- The Budgeting App Pro Lifetime$59.90
Penny
- Penny Pro$4.99









