# Fineyo vs Penni

Fineyo and Penni both sit at 5.0 stars, but that hides the real split: 100% of Penni's written reviews are positive against 82% of Fineyo's. Fineyo's advantage is ratings volume (11 vs 1) and iOS requirement (16.4 vs 18.0). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Fineyo sells 3 in-app purchases, starting at $3.99 per month and Penni sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Fineyo against 5.0 for Penni. That said, the two scores are not equally well evidenced: Fineyo has 11 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 82% of Fineyo's written reviews are positive against 100% of Penni's.

Both ship on a similar rhythm, roughly every 4 days. The most recent releases landed on October 10, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | Fineyo | Penni |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (11 ratings)](https://appshunter.io/ios/app/fineyo-expense-tracker/id1663166940/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/penni-expense-tracker/id6789282109/reviews) |
| Number of ratings | **11** | 1 |
| Positive reviews | 81.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 4 days | Every 4 days |
| Monetization | Freemium | Freemium |
| Size | 105 MB | 59 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Deniss Dubinins](https://appshunter.io/developer/1663166942) | [OTHMANE MDIDET](https://appshunter.io/developer/1837087586) |

## What reviewers say

### Fineyo

[App page](https://appshunter.io/ios/app/fineyo-expense-tracker/id1663166940)

Effortlessly manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.

**Highlights:** Expense & Income Tracker, Budget Planner, Spending Insights & Charts, Custom Categories, iCloud Sync, Offline Mode

**Features:** Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Annual Premium | $24.99 | per year |
| Lifetime | $34.99 | one-time |


### Penni

[App page](https://appshunter.io/ios/app/penni-expense-tracker/id6789282109)

Manage your finances with a calm, beautifully simple approach. Track spending, set gentle budgets, and grow savings without spreadsheets or account creation. Your data stays private on your device and synced via iCloud.

**Highlights:** Private by design, no sign-up required, Track expenses and income, Set gentle budgets, Manage savings goals, Financial health score, Home and Lock Screen widgets, iCloud sync and backup

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| 3 Months | $9.99 | per 3 months |
| Yearly | $29.99 | per year |


## Frequently asked questions

### Is Fineyo free?

Fineyo is free to download, with in-app purchases available.

### Is Penni free?

Penni is free to download, with in-app purchases available.

### Which has better reviews, Fineyo or Penni?

Fineyo and Penni are both rated 5.0 out of 5 on the App Store, from 11 and 1 ratings respectively.

### Do Fineyo or Penni have ads?

Neither Fineyo nor Penni shows ads.

### Which is updated more often, Fineyo or Penni?

Fineyo ships an update every 4 days, and Penni every 4 days. Most recently, Fineyo was updated on October 10, 2026 and Penni on October 2, 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.*