Spending Tracker vs Pennywise
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spending Tracker
Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.
- Simple and intuitive interface
- Flexible time period tracking (Weekly, Monthly, Yearly)
- Budget mode with carry-over
- Summary view of spending progress
- Log expenses and income
- Editable spending and income categories
- Interactive charts and reports
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Spending Tracker is the easiest and most user friendly Personal Finance App in the store. And best of all, it's free! The simple fact is, by tracking your spending you will be able to stick to a budget and therefore SAVE MONEY. So give it a try and have instant control over your spending! *** Features *** ------------------ √ Simple and intuitive user interface - helps you track your spending quickly and easily √ Flexible Time Periods - choose to track Weekly, Monthly or Yearly √ Budget Mode - optionally set a fixed budget amount to help you meet your spending targets - carry over any remaining budget to the next period √ Summary View - overview of your current spending progress - time travel backwards and forwards in time - see your main areas of spending √ Log Expense and Income - easy and quick transaction entry - sort by date, name or amount - repeat transactions daily, weekly or monthly (Pro Upgrade required) - export transactions (Pro Upgrade required) √ Categories - editable spending and income categories - choose a quality icon for each category √ Reports - easy visualisation of where your money goes - beautiful and interactive charts - view spending grouped by category - see the history of your spending
Pennywise
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Finally, a budget app that actually works. Pennywise helps you track spending, save money, and take control of your finances without the stress, spreadsheets, or complicated setup. We built this app for people who are tired of budget apps that feel like work. Most finance apps overwhelm you with features you will never use. Pennywise does the opposite. We focus on what actually matters: helping you understand your money and save more of it. WHY PEOPLE LOVE PENNYWISE Pennywise adapts to your life, not the other way around. Your personalized financial plan is built around your income, your goals, and your spending habits. Whether you are saving for something big or just trying to make it to payday without stress, Pennywise gives you a clear path forward. We designed every feature to save you time. Adding an expense takes seconds, not minutes. Checking your budget takes one glance, not ten taps. Understanding where your money went takes a quick look at your dashboard, not a spreadsheet. WHAT YOU GET Quick Expense Tracking Add expenses with a single tap. No complicated forms or endless categories. Just open the app, enter the amount, and you are done. Smart Daily and Monthly Budgets Set realistic spending limits that match your income and lifestyle. Pennywise breaks down your monthly budget into daily targets so you always know how much you can spend today. Visual Calendar View See all your transactions laid out on a calendar. Know exactly what you spent and when. Spot patterns and understand your habits at a glance. Powerful Insights Dashboard Understand your spending with clear monthly and yearly breakdowns. See where your money is really going. Find opportunities to save. Custom Financial Plans Get a personalized budget based on your actual situation. This is not a generic template. It is a plan built specifically for you. Savings Goals Set targets and track your progress. Watch your savings grow with clear visual indicators. Stay motivated by seeing how close you are to your goals. HOW IT WORKS First, tell us about your income and financial goals. Second, we create a custom daily and monthly plan based on your information. Third, track your expenses as you go. Adding an expense takes literal seconds. Fourth, watch your progress on your dashboard and adjust as needed. Fifth, actually save money and feel good about it. WHO THIS IS FOR Pennywise is perfect for anyone who wants to take control of their finances without spending hours on budgeting. Students managing loan money and limited income. Young professionals building their first savings. Parents budgeting for the whole family. Couples planning their financial future together. Anyone who has tried other budget apps and gave up. If you are tired of living paycheck to paycheck, want to save for something important, or just want to feel less stressed about finances, Pennywise is for you. THE PENNYWISE DIFFERENCE We do not connect to your bank account and overwhelm you with data. We do not force you into rigid categories. We do not make you feel bad about spending. Instead, we help you create a realistic plan, track your progress without effort, and actually reach your financial goals. Your financial journey is personal. Your budget should be too. COMING SOON We are constantly improving Pennywise. Soon you will have access to AI powered financial guidance, bank account connections for automatic tracking, and curated financial tips. But right now, we are focused on doing one thing exceptionally well: helping you track your money and save more of it. START TODAY Download Pennywise and take the first step toward financial clarity. Set up your plan in minutes. Track your first expense in seconds. Your financial freedom starts with the first penny. Important: This app requires a one-time in-app purchase to unlock all features. Download to see pricing.
Screenshots
Verdict
The clearest difference is ads: Pennywise at none against Spending Tracker's shown. Pennywise also leads on update cadence (fortnightly vs every 2 months). Spending Tracker's advantage is device support (5 vs 2). On price, in-app purchases 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
Both are free to download. Spending Tracker sells 1 one-off in-app purchase and Pennywise sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Spending Tracker ships an update every 2 months, Pennywise fortnightly. The most recent releases landed on October 29, 2026 and October 8, 2026 respectively.
| Parameter | Spending Tracker | Pennywise |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (19K ratings) — better | — |
| Positive reviews | 94.5% of reviews | — |
| Number of ratings | 19K — better | — |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod, Mac, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.5 — better | 16.0 |
| Further details — not scored | ||
| Size | 50 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Media-z OU |
Bugs and requests
Spending Tracker
Reported bugs
2 issues- Transactions sometimes entered in wrong order
- Backup and restore functionality not always reliable
Requested features
5 requests- Add ability to split transactions into multiple categories
- Incorporate currency conversion and exchange rates
- Allow family/shared account access and updates
- Implement a 'Debt' category to track loan payments
- Add option to take photos of receipts and attach to transactions
Pennywise
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spending Tracker
- Pro Upgrade$2.99
Pennywise
- Lifetime Access$19.99
Questions
Is Spending Tracker free?
Is Pennywise free?
Do Spending Tracker or Pennywise have ads?
Which is updated more often, Spending Tracker or Pennywise?
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