Comparison

Repays vs PennySave

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

Head to head
About

Repays

Features
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Repays is an innovative and user-friendly app that allows you to effortlessly track your financial obligations. Manage your debts and payments securely, ensuring you never miss a bill payment deadline. Here are the features Repays offers: Comprehensive Payment Tracking: View your debts, invoices, and other financial obligations all in one place. Reminders and Notifications: Receive timely reminders for upcoming payment dates to avoid delays. Secure Data Management: Keep your personal and financial information safe with top-level security measures. User-Friendly Interface: Easily perform transactions with its simple and intuitive design. Multi-Language and Currency Support: A global solution with different languages and currencies. Strengthen your financial management with Repays and take control. Download today and manage your debts with ease!

About

PennySave

Features
Read full description

Snap a receipt and PennySave fills in the amount, date, merchant and category. Share one budget with your partner and see every expense the moment it's added. No bank login needed, and your first month of Premium is free. NEW: BUDGETS Set a weekly, monthly, quarterly or yearly limit across one or more accounts and see at a glance whether you're on track. Split a budget into limits per category, keep one private, or share it with everyone on the account. With Premium, get alerted at 80%, when a budget goes over, or when a category passes its limit. SCAN RECEIPTS IN SECONDS (PREMIUM) Take a photo or pick one from your library. The transaction opens right away and fills in as the receipt is read. Prefer typing? Log any expense in two taps, free and unlimited. BUDGET TOGETHER, YOUR OWN WAY (PREMIUM) Invite your partner, family or roommate to a shared account with a link. Their transactions appear live. Each of you can file shared expenses under your own categories without changing the other person's view. KNOW WHERE YOUR MONEY GOES One monthly total across all your accounts, with recent transactions right below, plus your income, expenses and net for every month. Premium adds monthly AI reports that point out spending patterns and give your month a health check. BUILT FOR EVERYDAY LIFE - Accounts in any currency, including USD, EUR, GBP and HKD - Your own categories, with searchable icons - Notifications you control - VoiceOver support - English, Spanish, French and German FREE AND PREMIUM Free, always: accounts in any currency, budgets, your own categories, and unlimited manual entries with monthly income, expenses and net. Premium (first month free for new subscribers): receipt scanning, shared accounts, budget alerts and monthly AI reports. The subscription renews automatically; cancel any time in your App Store settings. FAQ Do I need to connect my bank? No. You add expenses by photo or by hand. Can my partner see my personal accounts? Only the accounts you choose to share. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pennysave.ai/privacy-policy

Screenshots

Repays4 screens
PennySave4 screens

Verdict

The call

The clearest difference is in-app purchases: Repays at none against PennySave's 1. Repays also leads on device support (3 vs 1) and iOS requirement (12.0 vs 26.0). PennySave's advantage is update cadence (weekly vs every 16 months). On price and ads 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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. PennySave sells 1 in-app purchase, starting at $4.99 per month. Repays asks for nothing beyond the download.

UpkeepUpdate frequency

Repays ships an update every 16 months, PennySave weekly. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

Scorecard4 real differences ยท 2 level
Repays versus PennySave: the parameters behind the verdict, then further details
ParameterRepaysPennySave
PriceFreeFree
Update frequencyEvery 16 monthsWeekly โ€” better
AdsNoNo
In-app purchasesNo โ€” betterYes
DevicesiPhone, iPad, iPod โ€” betteriPhone
Requires iOS12.0 โ€” better26.0
Further details โ€” not scored
Size84 MB16 MB
Age rating4+4+
DeveloperFurkan AratmanMykhaylo Zhylevych

In-app purchases

None

Repays

No in-app purchases

1 purchases

PennySave

Subscriptions1
  • Premium1 Month trial$4.991 Month

Questions

Is Repays free?
Repays is free to download, with no in-app purchases.
Is PennySave free?
PennySave is free to download, with in-app purchases available.
Do Repays or PennySave have ads?
Neither Repays nor PennySave shows ads.
Which is updated more often, Repays or PennySave?
Repays ships an update every 16 months, and PennySave weekly. Most recently, Repays was updated on October 25, 2026 and PennySave on October 30, 2026.

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