# 國泰人壽 vs Pennyworth

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.

Both are free to download. Pennyworth sells 3 one-off in-app purchases. 國泰人壽 asks for nothing beyond the download.

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.

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

## The numbers

| Metric | 國泰人壽 | Pennyworth |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (7 ratings)](https://appshunter.io/ios/app/id432046643/reviews) | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews)** |
| Number of ratings | 7 | **1.3K** |
| Positive reviews | **100.0% of reviews** | 92.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | — | Free with in-app purchases |
| Size | 205 MB | 67 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [CATHAY LIFE INSURANCE CO.,LTD.](https://appshunter.io/developer/432046646) | [Jack Xuan](https://appshunter.io/developer/943334381) |

## What reviewers say

### 國泰人壽

[App page](https://appshunter.io/ios/app/id432046643)

**In-app purchases:** none


### Pennyworth

[App page](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283)

Easily track income and expenses, create budgets, and manage multiple financial accounts. Offers features like stock portfolio tracking, credit card management, and multi-currency support. Secure your data with privacy lock and sync across devices.

**Highlights:** Fast expense tracking, Multiple financial books, iCloud sync and sharing, Budgeting and planning tools, Stock portfolio tracking, Credit card management, Multi-currency support, Receipt and invoice capture

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| cloud book - sync and share | $2.99 | one-time |
| Stock Management | $2.99 | one-time |
| remove ads | $3.99 | one-time |

**What reviewers like**

- 👍 User-friendly app
- 🚀 Simple and intuitive interface
- 💡 Helpful budgeting and expense tracking features
- 🚀 Efficient data management
- 👍 Customizable categories and reports

**What reviewers complain about**

- 🐛 Recurring transaction issues causing duplicate entries
- 🔍 Lack of search functionality
- 📤 Difficulty exporting data
- 🔒 Concerns about data security and syncing between devices

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*