# 記帳家 UrMoney vs PennyDay

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.

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.

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.

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.

## The numbers

| Metric | 記帳家 UrMoney | PennyDay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/urmoney/id590982082/reviews)** | [3.7 (7 ratings)](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865/reviews) |
| Number of ratings | 3 | **7** |
| Positive reviews | 50.0% of reviews | **72.7% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | **Free** | Ad-supported |
| Size | 15 MB | 77 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [UrMoney](https://appshunter.io/developer/571013473) | [EFFENDY EKA SAPUTRA](https://appshunter.io/developer/1016446377) |

## What reviewers say

### 記帳家 UrMoney

[App page](https://appshunter.io/ios/app/urmoney/id590982082)

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