Comparison

Pennies vs Finzo

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

Head to head
About

Pennies

Manage your finances with this app, offering AI-powered receipt scanning and automatic transaction import. Track all your accounts, set up future transactions, and monitor your net worth. Data is secured with encryption and two-factor authentication.

Highlights
  • AI receipt scanning and import
  • Track all account types
  • Transaction categorization and splitting
  • Future transaction scheduling
  • Two-factor authentication
  • Data export to JSON
Features
Read full description

Manage your finances with Pennies-AI. Features include: - 30 day free trial, with very low cost subscriptions after that. - Web and iOS supported (including tablets). - Track all of your accounts, including investment, banking, assets, and liabilities. - Add categories to group transactions. - Add splits to break apart transactions into their components. - Use the app or website to take pictures of receipts and automatically import them using AI into transactions including splits. - Import data from Quicken(r), or by downloading from your bank's website and then importing the files. - Set up future transactions to automatically insert transactions into your accounts using flexible schedules. - Add two-factor authentication for better account security. All major authenticators are supported. - Export all of your data into a zip file containing JSON data to easily move it to Excel, etc. - Track your net worth and current balances. - Your data is secured using encryption at rest in the database on the server. Terms of Use (ELUA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Finzo

Manage your money effortlessly with this personal finance tracker. Monitor income and expenses, gain AI-powered insights into spending habits, and make informed financial decisions. Features custom categories, detailed reports, and budget tracking for a clear financial future.

Highlights
  • Track daily expenses and income
  • Customizable expense and income categories
  • AI-powered spending analysis
  • Intelligent budget recommendations
  • Financial runway visualization
  • Secure on-device data storage
Features
Read full description

Take control of your finances with Finzo! Track expenses, manage income effectively, and receive AI-powered insights. See your financial runway at a glance and make smarter money decisions powered by artificial intelligence today. Finzo is your all-in-one personal finance tracker that helps you monitor where your money goes. Create custom categories for both expenses and income, add transactions quickly, and get clear insights into your spending patterns. Our AI technology analyzes your financial habits to provide personalized recommendations and identify saving opportunities you might have missed. Key Features: • Track daily expenses and income with ease • Create custom categories with beautiful icons • View detailed financial reports and trends • AI-powered spending pattern analysis • Intelligent budget recommendations based on your habits • Smart anomaly detection to identify unusual expenses • Set budgets and track your progress • See a clear financial runway for your future • Secure and private - your data stays on your device • Clean, intuitive interface designed for everyone Stop wondering where your money went and start taking control of your financial future with Finzo's advanced AI insights today! Apple EULA : https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Pennies4 screens
Finzo4 screens

Verdict

The call

The clearest difference is ads: Pennies at none against Finzo's shown. Pennies also leads on update cadence (weekly vs every 5 weeks). On price, in-app purchases, monetization model 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. Pennies sells 3 in-app purchases, starting at $2.99 per month and Finzo sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Pennies ships an update weekly, Finzo every 5 weeks. The most recent releases landed on November 8, 2026 and November 4, 2026 respectively.

Scorecard2 real differences · 8 level
Pennies versus Finzo: the parameters behind the verdict, then further details
ParameterPenniesFinzo
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews—100.0% of reviews
Number of ratings1 — better—
Update frequencyWeekly — betterEvery 5 weeks
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better16.6
Further details — not scored
Size66 MB27 MB
Age rating17+4+
DeveloperPennies-AI LLCDogukan Ardic

Customer experience

Pennies

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Finzo

Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Pennies

Subscriptions2
  • 1 month Subscription auto renew$2.991 Month
  • 1 year Subscription with auto renew$29.991 Year
One-time1
  • 1 year (Non-renewing)$29.99
2 purchases

Finzo

Subscriptions2
  • Finzo Monthly Pro$4.991 Month
  • Finzo Yearly Pro$29.991 Year

Questions

Is Pennies free?
Pennies is free to download, with in-app purchases available.
Is Finzo free?
Finzo is free to download, with in-app purchases available.
Do Pennies or Finzo have ads?
Finzo shows ads; Pennies does not.
Which is updated more often, Pennies or Finzo?
Pennies ships an update weekly, and Finzo every 5 weeks. Most recently, Pennies was updated on November 8, 2026 and Finzo on November 4, 2026.

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