# Monny vs Pennyworth

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.

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.

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.

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

## The numbers

| Metric | Monny | Pennyworth |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (371 ratings)](https://appshunter.io/ios/app/monny/id590327036/reviews)** | [4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews) |
| Number of ratings | 371 | **1.3K** |
| Positive reviews | 87.0% of reviews | **92.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Weekly** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 80 MB | 67 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Greamer](https://appshunter.io/developer/519562660) | [Jack Xuan](https://appshunter.io/developer/943334381) |

## What reviewers say

### Monny

[App page](https://appshunter.io/ios/app/monny/id590327036)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monny Premium | $2.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- Dark mode implementation
- Category-level budget control
- Transfer money between accounts
- Payment method tracking (cash/credit card/debit)
- Apple Watch compatibility


### Pennyworth

[App page](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283)

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:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| cloud book - sync and share | $2.99 | one-time |
| Stock Management | $2.99 | one-time |
| remove ads | $3.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*