Comparison

記帳家 UrMoney vs PennyDay

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

Head to head
About

記帳家 UrMoney

Effortlessly track your income, expenses, and transfers with a user-friendly interface and professional statistical data. Sync your records to the cloud for seamless access across devices, even offline.

Highlights
  • Record income, expenses, and transfers
  • Personalized categories and accounts
  • Detailed statistical charts
  • Account balance display
  • Cloud synchronization
  • Offline recording
  • Location and photo logging
  • Password lock for privacy
Features
Read full description

記帳,就由這裡開始吧. 簡單的操作介面將帶著您入門, 專業的統計資料可幫助您輕鬆取得自己的理財資訊. 記帳家APP提供了與雲端網站(https://www.urmoney.com.tw), 無間斷的行動記帳模式, 您可以在電腦上網記帳, 也可以在離線時使用APP記帳, 並透過上線的時間, 將帳目上傳到雲端空間裡, 享受隨手記帳和查詢帳目的便利性. 雲端網站 在 https://www.urmoney.com.tw 本軟體特別為手機記帳提供以下解決方案: 1. 不用擔心換手機或手機故障 因為記帳資料保存在雲端網站 2. 想記帳隨時隨地都可以記 當無法使用手機時, 請用電腦瀏覽器連上雲端網站 3. 延伸手機記帳的範圍 手機畫面太小許多功能不方便操作, 請用電腦瀏覽器連上雲端網站 , 我們還提供許多查帳和統計報表, 並且股票, 基金 都可以記帳的. 本軟體提供了以下功能: 1. 記錄 消費, 收入, 和 轉帳的帳目 2. 訂定個人化的科目和帳戶 3. 提供查帳的功能 4. 有清楚亦懂的統計圖表 5. 隨時顯示帳戶的餘額 6. 上傳帳目到雲端 7. 記帳時, 一併記錄地點和照片 8. 提供密碼鎖, 增加隱私保護 9. 可離線下進行記帳 常見問題: 1. 為什麼要註冊才能使用? 由於要將您寶貴的記帳資料上傳到雲端, 需要有帳號密碼作認證與保護 2. 可以和家人一起記帳在同一個帳戶嗎? 當然可以, 只要使用同一個帳號密碼登入, 在雲端或APP都可以同時記帳使用的. 3. 如果需要將我的記帳資料匯出, 可以作到嗎? 目前在雲端網站提供匯出功能, 只要將APP的帳目上傳到雲端後, 就可以自行下載了.

About

PennyDay

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
Read full description

Track expenses in seconds and see your money day by day. PennyDay combines fast manual entry, a clear budget calendar, and useful spending insights—without linking a bank account. TRACK MONEY IN SECONDS • Record expenses, income, and transfers with a focused quick-add flow • Organize cash, bank, and credit card accounts in one place • Create categories that match the way you spend • Review and filter your complete transaction history SEE WHERE YOUR MONEY GOES • Read daily income and expenses directly from the calendar • Follow monthly cash flow, spending trends, and summaries • Compare category and account breakdowns • Spot recurring costs and understand your spending patterns PLAN WITHOUT THE COMPLEXITY • Set category budgets and keep an eye on progress • Schedule recurring entries for regular bills and income (Pro) • Turn on reminders so logging stays part of your routine • Manage multiple manual accounts without bank connections PRIVATE AND IN YOUR CONTROL • Your financial records stay on your device by default • Protect the app with a passcode and Face ID where available • Create local snapshot backups and restore them when you choose • When iCloud is available, manual backup also saves an iCloud snapshot • Backup is user-controlled and is not real-time device sync PENNYDAY PRO Upgrade to remove ads and unlock recurring entries with reminders, unlimited category budgets, tag budgets, rolling Analysis ranges (last 6 and 12 months), automatic iCloud snapshot backup with longer retention, unlimited photo attachments, premium themes, and Home customization. PennyDay is built for people who want a fast, private way to understand everyday money without the setup and complexity of connected finance apps. Questions or feedback? Contact urcashfixer@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

記帳家 UrMoney4 screens
PennyDay4 screens

Verdict

The call

The clearest difference is rating: 記帳家 UrMoney at 5.0 against PennyDay's 3.7. 記帳家 UrMoney also leads on in-app purchases (none vs 3) and ads (none vs shown). PennyDay's advantage is update cadence (weekly vs every 3 months) and review sentiment (73% vs 50%). On price, ratings volume and device support 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. PennyDay sells 3 in-app purchases, starting at $1.99 per month. 記帳家 UrMoney asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

記帳家 UrMoney holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 7 respectively. Written reviews complicate that: 50% of 記帳家 UrMoney's written reviews are positive against 73% of PennyDay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

記帳家 UrMoney ships an update every 3 months, PennyDay weekly. The most recent releases landed on October 12, 2026 and October 30, 2026 respectively.

Scorecard7 real differences · 3 level
記帳家 UrMoney versus PennyDay: the parameters behind the verdict, then further details
Parameter記帳家 UrMoneyPennyDay
PriceFreeFree
Rating5.0 (3 ratings) — better3.7 (7 ratings)
Positive reviews50.0% of reviews72.7% of reviews — better
Number of ratings37 — better
Update frequencyEvery 3 monthsWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterAd-supported
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size15 MB77 MB
Age rating4+4+
DeveloperUrMoneyEFFENDY EKA SAPUTRA

Customer experience

記帳家 UrMoney

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive50.0%
Neutral50.0%
Negative0.0%

PennyDay

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews22 reviews
Positive72.7%
Neutral4.5%
Negative22.7%

In-app purchases

None

記帳家 UrMoney

No in-app purchases

3 purchases

PennyDay

Subscriptions3
  • PennyDay Pro$1.991 Month
  • PennyDay Pro$3.993 Months
  • PennyDay Pro7 Days trial$11.991 Year

Questions

Is 記帳家 UrMoney free?
記帳家 UrMoney is free to download, with no in-app purchases.
Is PennyDay free?
PennyDay is free to download, with in-app purchases available.
Which has better reviews, 記帳家 UrMoney or PennyDay?
記帳家 UrMoney is rated higher. 記帳家 UrMoney averages 5.0 out of 5 from 3 ratings, while PennyDay averages 3.7 from 7 ratings.
Do 記帳家 UrMoney or PennyDay have ads?
PennyDay shows ads; 記帳家 UrMoney does not.
Which is updated more often, 記帳家 UrMoney or PennyDay?
記帳家 UrMoney ships an update every 3 months, and PennyDay weekly. Most recently, 記帳家 UrMoney was updated on October 12, 2026 and PennyDay on October 30, 2026.

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