Comparison

MT vs Pennyworth

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

Head to head
About

MT

Easily track all your income and expenses to gain full financial visibility. This app helps you optimize spending, set budgets, and achieve your financial goals with detailed analysis and secure data protection.

Highlights
  • Bill snapshot entry with calculator
  • Intelligent import from Alipay/WeChat
  • Detailed income/expense analysis charts
  • Real-time budget tracking
  • Face ID/password data protection
  • Automatic iCloud cloud sync
  • Customizable income/expense categories
Features
Read full description

Take control of your income and spending and keep your personal finances organised. MTracker is a simple money management app designed to help you record transactions, manage budgets and understand where your money goes. Its clear and practical interface makes managing your everyday finances easier. KEY FEATURES • Quick income and expense tracking Add each transaction with an amount, category, date and note. • Personalised budgets Set an overall budget or individual limits for each category and see how much you have left to spend. • Charts and statistics Understand your income and spending with clear charts and summaries across different periods. • Recurring transactions Schedule regular income and expenses such as rent, subscriptions, household bills and salary. • Search and filters Quickly find previous transactions by keyword, category, date or other criteria. • Data import Import transactions from compatible files and manage your financial records in one place. • Export and backup Export your data in compatible formats for safekeeping, analysis or transfer. • iCloud synchronisation Keep your data in sync across your Apple devices using your personal iCloud account. • Privacy and data control Your financial records are stored on your device and, when synchronisation is enabled, in your private iCloud storage. You remain in control of your information. MTRACKER IS IDEAL FOR: • tracking everyday spending; • controlling your monthly budget; • organising household finances; • managing personal income and expenses; • understanding your spending habits; • saving towards your financial goals. Start recording your transactions today and make better decisions about your money. Privacy Policy: https://f.n-years.com/docs/mtracker/privacy_statement/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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
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

MT4 screens
Pennyworth4 screens

Verdict

The call

The clearest difference is ratings volume: Pennyworth at 1.3K against MT's 131. On price, rating, review sentiment and update cadence 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. MT sells 3 in-app purchases, starting at $0.99 per month and Pennyworth sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for MT against 4.8 for Pennyworth. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 131, so its average is the more settled of the two. Written reviews are what separate them: 91% of MT's written reviews are positive against 92% of Pennyworth's.

UpkeepUpdate frequency

MT ships an update weekly, Pennyworth every 5 days. The most recent releases landed on October 15, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 9 level
MT versus Pennyworth: the parameters behind the verdict, then further details
ParameterMTPennyworth
PriceFreeFree
Rating4.8 (131 ratings)4.8 (1.3K ratings)
Positive reviews90.9% of reviews92.0% of reviews — better
Number of ratings1311.3K — better
Update frequencyWeeklyEvery 5 days — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPod, Apple Watch
Requires iOS15.615.0 — better
Further details — not scored
Size56 MB65 MB
Age rating4+4+
Developer金 郭Jack Xuan

Customer experience

MT

All ratings131 ratings
Positive95.4%
Neutral1.5%
Negative3.1%
Written reviews33 reviews
Positive90.9%
Neutral0.0%
Negative9.1%

Pennyworth

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

Bugs and requests

MT

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

3 purchases

MT

Subscriptions2
  • Monthly Premium$0.991 Month
  • Annual Membership$4.991 Year
One-time1
  • Lifetime Access$19.99
3 purchases

Pennyworth

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

Questions

Is MT free?
MT is free to download, with in-app purchases available.
Is Pennyworth free?
Pennyworth is free to download, with in-app purchases available.
Which has better reviews, MT or Pennyworth?
MT and Pennyworth are both rated 4.8 out of 5 on the App Store, from 131 and 1.3K ratings respectively.
Do MT or Pennyworth have ads?
Both MT and Pennyworth show ads.
Which is updated more often, MT or Pennyworth?
MT ships an update weekly, and Pennyworth every 5 days. Most recently, MT was updated on October 15, 2026 and Pennyworth on October 16, 2026.

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