First Note vs Pennio
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
First Note
Manage your finances with this tool that allows you to track daily, monthly, and year-over-year spending. Easily search for past transactions by date to compare expenses and make informed financial decisions.
- Daily balance tracking
- Monthly spending reports
- Carry-over balance from previous month
- Transaction search by date
- Historical spending comparison
Read full descriptionHide full description
First Note is an ideal tool to manage the accounting staff and view the balance daily, monthly and carry over the previous month. The research can be done to move or date. For example: do not you remember when you spent last year for the maintenance of your car? Do you think the mechanic will not ask a higher price? With this tool you can go back to that era and compare spending for the current year.
Pennio
Read full descriptionHide full description
Take control of your money with Pennio โ a simple weekly budget app that actually works. Set envelope budgets for each category and let unspent money roll over automatically. Track every income and expense across multiple wallets in 41 currencies with live exchange rates. Monitor your net worth, savings goals, and debt payoff all in one place. Home and lock screen widgets keep your spending visible. Built-in calculator, charts, and calendar view show where your money goes. Works offline. Syncs across devices. No bank linking. Your data stays yours. Pennio Pro is an optional auto-renewable subscription. You can use the app without subscribing. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is price: Pennio at Free against First Note's $2.99. First Note's advantage is in-app purchases (none vs 2). On update cadence, ads, device support and iOS requirement there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Pennio is free to download; First Note costs $2.99 up front. Pennio sells 2 in-app purchases, starting at $5.99 per 7 days. First Note asks for nothing beyond the download.
Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on July 4, 2026 and September 2, 2026 respectively.
| Parameter | First Note | Pennio |
|---|---|---|
| Price | $2.99 | Free โ better |
| Positive reviews | 66.7% of reviews | โ |
| Update frequency | Every 3 months | Every 3 months |
| Ads | No | No |
| In-app purchases | No โ better | Yes |
| Monetization | Paid | โ |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 โ better | 15.1 |
| Further details โ not scored | ||
| Size | 3 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | Gianfranco Percopo | Artur Popov |
In-app purchases
First Note
No in-app purchases
Pennio
- Pennio Pro Weekly3 Days trial$5.997 Days
- Pennio Pro Yearly$39.991 Year





