Comparison

Monny vs Pennyworth

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

Head to head
About

Monny

This app helps you take control of your finances through a gamified experience. It makes tracking expenses simple, builds healthier financial habits, and visualizes your progress towards your goals with motivating challenges and clear reports.

Highlights
  • Frictionless expense tracking
  • Gamified money challenges
  • Clear analytical reports
  • Multiple account books
  • Home screen widgets
  • Data backup and export
  • Daily notification reminders
Features
Read full description

[ TAKE BACK CONTROL OF YOUR MONEY ] Take control of your finances and make your dreams come true with Monny! We help you build the skills needed to manage your personal finance and make progress feel motivating. === HOW MONNY HELPS YOU === We believe managing money shouldn't just be about looking at the past—it should be about feeling satisfied as you do the right things for your future. • See the big picture: Understand exactly where your money goes. • Plan intentionally: Move beyond tracking and build healthier habits. • See your progress: Stay motivated and watch your goals become reality! === CORE FEATURES === • Simple & Fast: Make expense tracking easy and frictionless. • Gamified Challenges: Build your "money brain" and get rewarded! • Clear Vision: Friendly analytical reports, pie charts, and top rankings. • Multiple Account Books: Manage cash, credit cards, or travel budgets. • Home Screen Widgets: Quick input and monthly overview right on your screen. • Backup & Export: Google Drive, Dropbox, Email, and Excel (xls) export. • Daily Alerts: Friendly notification reminders so you never miss a beat. • Privacy Protection: Passcode lock to keep your financial data secure. [ MONNY PREMIUM ] A one-time purchase for lifetime access! Upgrade to Premium for unlimited access to advanced analytical power: • Top 10 Expenses Ranking Chart • Monthly Category Expenses Ranking Chart • Annual Trend Charts • Passcode lock [ MONNY FREE ] Enjoy tracking your finances without paying anything! • Unlimited entries for income and expenses • Challenge theme park to keep your budget under control • Unlimited account books • Basic Reports (sorted by Date, Category, and Amount) [ CONTACT US ] Email: monnyapp@gmail.com Facebook: Search "Monny"

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

Monny4 screens
Pennyworth4 screens

Verdict

The call

The clearest difference is ads: Monny at none against Pennyworth's shown. Monny also leads on iOS requirement (13.0 vs 15.0). Pennyworth's advantage is update cadence (weekly vs every 6 weeks) and ratings volume (1.3K vs 371). On price, rating, review sentiment and in-app purchases 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. Monny sells 1 one-off in-app purchase 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 — 4.9 for Monny against 4.8 for Pennyworth. Both are backed by a comparable volume of ratings — 371 and 1.3K respectively. Written reviews are what separate them: 87% of Monny's written reviews are positive against 92% of Pennyworth's.

UpkeepUpdate frequency

Monny ships an update every 6 weeks, Pennyworth weekly. Both last shipped on November 1, 2026.

Scorecard4 real differences · 6 level
Monny versus Pennyworth: the parameters behind the verdict, then further details
ParameterMonnyPennyworth
PriceFreeFree
Rating4.9 (371 ratings) — better4.8 (1.3K ratings)
Positive reviews87.0% of reviews92.0% of reviews — better
Number of ratings3711.3K — better
Update frequencyEvery 6 weeksWeekly — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod, Apple Watch — better
Requires iOS13.0 — better15.0
Further details — not scored
Size80 MB67 MB
Age rating4+4+
DeveloperGreamerJack Xuan

Customer experience

Monny

All ratings371 ratings
Positive98.1%
Neutral1.3%
Negative0.5%
Written reviews476 reviews
Positive87.0%
Neutral7.6%
Negative5.5%

Pennyworth

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

User reviews

Monny

From 371 App Store ratings

What we love

  • 👍 Simple and intuitive user interface
  • 🎨 Cute and attractive design
  • 💰 One-time premium purchase (no subscription)
  • 📊 Comprehensive expense tracking and reporting
  • 🌍 Multiple currency support

Room to improve

  • 🐛 Widget functionality broken on iOS 18
  • 🔌 E-invoice integration issues and delays
  • 📉 Recent UI redesign less user-friendly
  • ❌ Limited free version features
  • 🔄 No real-time sync across devices

Pennyworth

From 1.3K App Store ratings

What we love

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

Room to improve

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

Bugs and requests

Monny

Reported bugs

15 issues
  • Widget stopped working after iOS 18 update
  • E-invoice integration not syncing properly
  • E-invoice details showing as blank
  • App crashes on iOS 16 and later
  • Black screen appears after searching entries
Show 10 more
  • Duplicate entries when editing recurring transactions
  • Category disappears from frequent list
  • Photo upload pending indefinitely
  • Settings font size not adjustable
  • Description categories not displaying in expense entry
  • App freezes when selecting photos
  • Data missing after app update
  • Inconsistency between home page and report totals
  • Unable to add photos in some cases
  • Calculator input mode toggle not working properly

Requested features

19 requests
  • Dark mode implementation
  • Category-level budget control
  • Transfer money between accounts
  • Payment method tracking (cash/credit card/debit)
  • Apple Watch compatibility
Show 14 more
  • Apple Automation integration for auto-tracking
  • Shared account functionality for couples
  • Vertical scrolling for description history
  • Sub-categories for detailed expense breakdown
  • Batch data deletion by month
  • Real-time multi-device synchronization
  • Daily expense/income report view
  • Account balance display on home screen
  • Recurring expense customization per account
  • Keyword search in description history
  • iPad-optimized interface
  • Multiple theme/color options
  • Investment tracking segment
  • Savings goal tracking

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

1 purchases

Monny

One-time1
  • Monny Premium$2.99
3 purchases

Pennyworth

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

Questions

Is Monny free?
Monny 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, Monny or Pennyworth?
Monny is rated higher. Monny averages 4.9 out of 5 from 371 ratings, while Pennyworth averages 4.8 from 1.3K ratings.
Do Monny or Pennyworth have ads?
Pennyworth shows ads; Monny does not.
Which is updated more often, Monny or Pennyworth?
Monny ships an update every 6 weeks, and Pennyworth weekly. Most recently, Monny was updated on November 1, 2026 and Pennyworth on November 1, 2026.

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