# 致和證券 vs PennyDay

The clearest difference is in-app purchases: 致和證券 at none against PennyDay's 3. 致和證券 also leads on ads (none vs shown) and device support (3 vs 1). PennyDay's advantage is update cadence (weekly vs every 7 months). On price there is nothing between them.

Both are free to download. PennyDay sells 3 in-app purchases, starting at $1.99 per month. 致和證券 asks for nothing beyond the download.

致和證券 ships an update every 7 months, PennyDay weekly. The most recent releases landed on October 20, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | 致和證券 | PennyDay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.7 (7 ratings)](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865/reviews)** |
| Number of ratings | — | **7** |
| Positive reviews | — | 72.7% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 7 months | **Weekly** |
| Monetization | — | Ad-supported |
| Size | 122 MB | 76 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [致和證券](https://appshunter.io/developer/500593264) | [EFFENDY EKA SAPUTRA](https://appshunter.io/developer/1016446377) |

## What reviewers say

### 致和證券

[App page](https://appshunter.io/ios/app/id500593261)

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

**In-app purchases:** none


### PennyDay

[App page](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865)

Manage your finances with a calendar-based budget planner and expense tracker. Visualize cash flow by day, track multiple accounts, and gain insights into spending trends. Personalize categories with emojis for a more intuitive financial overview.

**Highlights:** Calendar budgeting, Expense tracking, Multi-account support, Emoji category customization, Insights and reports, Privacy features

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyDay Pro | $1.99 | per month |
| PennyDay Pro | $3.99 | per 3 months |
| PennyDay Pro | $11.99 | per year |


## Frequently asked questions

### Is 致和證券 free?

致和證券 is free to download, with no in-app purchases.

### Is PennyDay free?

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

### Do 致和證券 or PennyDay have ads?

PennyDay shows ads; 致和證券 does not.

### Which is updated more often, 致和證券 or PennyDay?

致和證券 ships an update every 7 months, and PennyDay weekly. Most recently, 致和證券 was updated on October 20, 2026 and PennyDay on October 22, 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.*