Comparison

iMMIG vs Pennyworth

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

Head to head
About

iMMIG

This app helps you track personal income, expenses, and payments. It features QR code scanning for invoices, multi-currency accounts, and cloud backups. Stay on top of your finances with detailed reports and payment reminders.

Highlights
  • Income and expense tracking
  • QR code invoice scanning
  • Multi-currency account management
  • Cloud backup and restore (Dropbox, iCloud)
  • Payment reminders and scheduling
  • Detailed financial reports
  • Biometric security (Face ID, Fingerprint)
Features
Read full description

***** Lite 版本可新增 60 筆紀錄 ***** iMMIG(記帳小秘書)是用於記錄個人在日常生活中的收入、支出、繳費資料的軟體,讓您記帳、繳費e次搞定 - 支持掃描 QR Code 電子發票 / 電子發票自動對獎 / 手機條碼匯入電子發票功能,讓您輕鬆記帳對獎一次完成 - 豐富的清單列表介面,隨時掌握您的收入、支出、繳費情形 - 多幣別帳戶功能,即時匯率轉換及查詢,讓您的資產瞭如指掌 - 報表統計可隨時追蹤收入、支出、繳費情形以及收支比對 - 支援 Dropbox 雲端資料備份 / 資料復原 / 資料匯出,使用方便且不怕備份檔案遺失 - 支援 iCloud 雲端資料備份 / 資料復原 / 自動備份 / 資料同步 ..... 等功能 - 支援臉部辨識/指紋解鎖功能,讓您不用麻煩每次輸入密碼解鎖,也不用再擔心忘記密碼了 - 通知中心功能(近期繳費提醒),讓您隨時掌握繳費資訊,帳單不漏繳 詳細功能請參考下面說明! *********************************** 本軟體所有的刪除資料功能,皆以滑動的方式刪除 在要刪除的資料列上,向左滑動的方式刪除資料即可 *********************************** 功能說明: 1. 記帳功能: 只要簡單的操作,就可以幫您快速輸入每筆收入、支出、繳費、轉帳紀錄,也可以拍照紀錄 2. 繳費功能: 繳費事項可設定重複週期、提醒時間、繳費期限、過期持續提醒等功能,讓您不漏繳帳單,並可當待辦事項功能使用喔 貼心小功能 : (1)許多人在繳帳單時多半是先轉帳再自動扣款.因此在繳費事項修改中, 如果已轉帳但尚未扣款, 可只選擇[繳費日期], 但[是否完成]不要選取, 此時在事項清單中該事項會變為藍色, 表示您已轉帳準備扣款, 但尚未扣款, 待真正扣款後, 再修改成已完成即可(2)繳費完成自動抵銷帳戶金額功能 3. 行事曆: 顯示所有【收入】、【支出】、【已繳費/尚未繳費】、【轉帳】記錄,讓您收支狀況一目了然 (藍點:收入、紅點:支出、黑點:該日尚有未繳費紀錄、灰點:該日皆已繳費、綠點:轉帳) 4. 小算盤: 內鍵小算盤,協助您快速計算金額,並可將您計算好的金額直接帶入資料,免去重新輸入困擾 5. 帳戶管理: 顯示目前資產、負債、總計金額資料 可建立多個帳戶,且每個帳戶皆有餘額顯示,帳戶/項目關閉功能,讓您對自己資產配置瞭若指掌 6. 標籤管理 可針對單一特定事件標記紀錄,以便統計該事件支出總額,例如:出國旅遊、出差費用...等 7. 報表統計: 報表統計可分類別分析、結餘分析、圓餅圖分析,關鍵字搜尋,且可以金額排序,讓您隨時掌握帳務詳細資料 8. Dropbox 資料匯出: 匯出 Excel 格式,方便您做資料存檔、篩選、整理 9. 支援 Dropbox 雲端備份: 您可以透過 Dropbox 帳號執行匯出、備份、復原資料,使用方便且不怕檔案遺失 匯出、備份檔案位置:Install Dropbox Path\Apps\iMMIG\ (例:C:\My Dropbox\Apps\iMMIG\) 10. 提醒設定: -可依照個人需求設定預設提醒時間(也可在各筆紀錄設定提醒時間),以及是否過期持續提醒功能 -記帳提醒功能 -備份提醒功能 11. 密碼鎖: -密碼鎖功能以確保您的個人資料安全 -支援臉部辨識 / 指紋解鎖功能(讓您不用麻煩每次輸入密碼解鎖,也不用再擔心忘記密碼了) 12. 預算設定: 可針對「支出」、「繳費」之(年)(月)(週)(日)預算各別做設定 13. 支援 Apple Watch 讓您隨時掌握帳務資訊 功能說明: - 可在概覽隨時查看本週待繳費資訊 - 即時繳費提醒,讓您不漏繳帳單 - 隨時查看當日收支狀況/帳務分析/各帳戶結餘/資產...等資料 14. 支持掃描 QR Code 電子發票/電子發票自動對獎/手機條碼匯入電子發票功能 操作方式請參考我們的 FB iMMIG 粉絲團 15. 多幣別帳戶功能 - 本地帳戶與外幣帳戶可互相轉帳 - 靈活的匯率輸入功能 - 匯率計算器 - 即時匯率轉換及查詢 - 各外幣帳戶之匯率可自由設定 - 自動計算外幣帳戶加本地帳戶之總資產/負債資訊(資產金額以本地幣別為主,如有外幣帳戶則會自動轉換本地金額加總) 16. 支援 iCloud 雲端備份 - 資料備份 - 資料復原 - 自動備份 - 資料同步:可在 iPhone、iPad 資料同步 17. 通知中心功能(近期繳費提醒) - 讓您隨時掌握繳費資訊,帳單不漏繳 如果您有任何問題或建議,歡迎加入我們 FB 粉絲團 http://www.facebook.com/JNL.iMMIG

About

Pennyworth

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
Read full description

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

iMMIG4 screens
Pennyworth4 screens

Verdict

The call

The clearest difference is in-app purchases: iMMIG at none against Pennyworth's 3. iMMIG also leads on ads (none vs shown) and review sentiment (100% vs 92%). Pennyworth's advantage is update cadence (weekly vs every 2 months) and ratings volume (1.3K vs 2). On price 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. Pennyworth sells 3 one-off in-app purchases. iMMIG asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Pennyworth holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 100% of iMMIG'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

iMMIG ships an update every 2 months, Pennyworth weekly. The most recent releases landed on October 30, 2026 and November 1, 2026 respectively.

Scorecard8 real differences · 2 level
iMMIG versus Pennyworth: the parameters behind the verdict, then further details
ParameteriMMIGPennyworth
PriceFreeFree
Rating4.5 (2 ratings)4.8 (1.3K ratings) — better
Positive reviews100.0% of reviews — better92.0% of reviews
Number of ratings21.3K — better
Update frequencyEvery 2 monthsWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod, Apple WatchiPhone, iPod, Apple Watch
Requires iOS9.0 — better15.0
Further details — not scored
Size18 MB67 MB
Age rating4+4+
DeveloperJackie KuangJack Xuan

Customer experience

iMMIG

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 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

iMMIG

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

iMMIG

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 iMMIG free?
iMMIG 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, iMMIG or Pennyworth?
Pennyworth is rated higher. iMMIG averages 4.5 out of 5 from 2 ratings, while Pennyworth averages 4.8 from 1.3K ratings.
Do iMMIG or Pennyworth have ads?
Pennyworth shows ads; iMMIG does not.
Which is updated more often, iMMIG or Pennyworth?
iMMIG ships an update every 2 months, and Pennyworth weekly. Most recently, iMMIG was updated on October 30, 2026 and Pennyworth on November 1, 2026.

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