Comparison

國泰人壽 vs Pennyworth

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

Head to head
About

國泰人壽

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快來下載最多保戶使用的保險App! 靈活切換個人或家庭視角,輕鬆掌握全家人的保單。透過顏色分類,查找保單更便利! 國泰人壽App特色功能 ◆ 線上集中管理家庭保單 ◆ 自己和家庭的保障詳細列出 ◆ 保單電子化隨時看 ◆ 輕鬆看出年繳總保費 ◆ 投保進度即時追蹤 ◆ 理賠申請步驟簡單易操作 ◆ 線上簡單快速借款 ◆ 健康生活加值服務 馬上下載,管理保單超級簡單!! ------------------ 本版本只支援 iOS 15 以上作業系統

About

Pennyworth

Manage your finances, track spending, and create budgets with this powerful personal finance app. It offers detailed reports, charts, and tools for managing assets, investments, and credit cards. Securely store and analyze your financial data with iCloud sync and customizable options.

Highlights
  • Fast, intuitive expense tracking
  • Multiple financial books
  • iCloud sync and sharing
  • Smart tags for analysis
  • Advanced reports and charts
  • All-in-one asset management
  • Stock portfolio tracking
Features
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Pennyworth is a simple, flexible personal finance app that helps you understand where your money goes, plan ahead, and manage different parts of your financial life in one place. Log income and expenses in seconds, create budgets, manage multiple books, track assets and credit cards, follow your stock portfolio, and share books with family or trusted partners. Start for free and build a money-tracking habit that works for you. --- Main Features --- Fast Expense Tracking A clean, intuitive interface makes it easy to record income and expenses in just a few taps. Multiple Books Keep your personal, family, and business finances separate with different books for different needs. iCloud Sync & Sharing Sync books across compatible Apple devices with the same Apple ID. Share selected books with family members, partners, or friends for collaborative money management. Budgets & Financial Planning Create budgets, monitor spending, and stay on top of where your money is going before it gets out of control. Calendar View See daily income, expenses, and balances at a glance, so you can quickly understand your spending patterns. Reports & Charts Use clear visual reports to review spending by category, track trends, compare income and expenses, and understand your overall financial situation. Smart Tags Add multiple tags such as Travel, Tax, Business, or Family to organize transactions across categories and analyze your data in flexible ways. All-in-One Asset Management Track cash, bank accounts, credit cards, loans, investments, and other assets. Use transfers to record ATM withdrawals, credit card payments, e-money top-ups, and account movements. Stock Portfolio Tracking Log buys, sells, and dividends to manage your holdings. Track portfolio value, review gains and losses, and keep asset values updated with automatic daily stock price updates. Credit Card Tools Manage credit card balances, payment due dates, installments, autopay, and upcoming payment amounts. 130+ Currencies Manage foreign-currency accounts with automatic exchange-rate updates. Recurring Transactions Set up recurring items such as salary, rent, subscriptions, or regular bills to save time. Receipt & Invoice Capture Attach receipts and invoices to keep expense details organized, searchable, and easy to review. Customizable Setup Customize accounts, categories, members, color themes, and books to match the way you manage money. Data Export & Backup Export your data to CSV whenever you need it. Use iCloud backup and sync to help keep your records safe across devices. Privacy Lock Protect your financial data with Face ID, Touch ID, or pattern lock. Local-First by Design Your records are saved on your device first, so you can view and edit your data even when offline. Your Money, Your Records Pennyworth is designed to help you stay in control of your financial records, with flexible tools for tracking, planning, sharing, and reviewing your money. ================ Contact Us ================ Email: swalloworks@gmail.com X / Twitter: https://twitter.com/swalloworks Facebook: https://www.facebook.com/tiantianjizhang

Screenshots

國泰人壽4 screens
Pennyworth4 screens

Verdict

The call

The clearest difference is rating: Pennyworth at 4.8 against 國泰人壽's 4.3. Pennyworth also leads on ratings volume (1.3K vs 7) and update cadence (weekly vs every 5 weeks). 國泰人壽's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price and iOS requirement 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. Pennyworth sells 3 one-off in-app purchases. 國泰人壽 asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Pennyworth holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 100% of 國泰人壽's written reviews are positive against 92% of Pennyworth's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

國泰人壽 ships an update every 5 weeks, Pennyworth weekly. Both last shipped on November 1, 2026.

Scorecard7 real differences · 3 level
國泰人壽 versus Pennyworth: the parameters behind the verdict, then further details
Parameter國泰人壽Pennyworth
PriceFreeFree
Rating4.3 (7 ratings)4.8 (1.3K ratings) — better
Positive reviews100.0% of reviews — better92.0% of reviews
Number of ratings71.3K — better
Update frequencyEvery 5 weeksWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhoneiPhone, iPod, Apple Watch — better
Requires iOS16.015.0 — better
Further details — not scored
Size205 MB67 MB
Age rating4+4+
DeveloperCATHAY LIFE INSURANCE CO.,LTD.Jack Xuan

Customer experience

國泰人壽

All ratings7 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews9 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Pennyworth

All ratings1,296 ratings
Positive96.8%
Neutral1.9%
Negative1.3%
Written reviews373 reviews
Positive92.0%
Neutral4.6%
Negative3.5%

Bugs and requests

國泰人壽

Not enough reviews yet to summarise bugs or requests.

Pennyworth

Reported bugs

3 issues
  • Inconsistent data display (e.g., showing rounded numbers instead of actual amounts)
  • Inability to add account balances
  • Disappearance of user data after app updates

Requested features

6 requests
  • Add custom repeat option for recurring payments
  • Implement a 'Are you sure?' prompt before deleting transactions
  • Improve image quality and restoration for uploaded receipts
  • Introduce a 'Paid' mark for scheduled transactions
  • Expand budgeting features with more granular controls
Show 1 more
  • Add support for more bank/financial institution icons

In-app purchases

None

國泰人壽

No in-app purchases

3 purchases

Pennyworth

One-time3
  • cloud book - sync and share$2.99
  • Stock Management$2.99
  • remove ads$3.99

Questions

Is 國泰人壽 free?
國泰人壽 is free to download, with no in-app purchases.
Is Pennyworth free?
Pennyworth is free to download, with in-app purchases available.
Which has better reviews, 國泰人壽 or Pennyworth?
Pennyworth is rated higher. 國泰人壽 averages 4.3 out of 5 from 7 ratings, while Pennyworth averages 4.8 from 1.3K ratings.
Do 國泰人壽 or Pennyworth have ads?
Pennyworth shows ads; 國泰人壽 does not.
Which is updated more often, 國泰人壽 or Pennyworth?
國泰人壽 ships an update every 5 weeks, and Pennyworth weekly. Most recently, 國泰人壽 was updated on November 1, 2026 and Pennyworth on November 1, 2026.

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