# FinDiscipline vs PennyFlow

The clearest difference is update cadence: PennyFlow at daily against FinDiscipline's every 3 months. FinDiscipline's advantage is iOS requirement (13.0 vs 18.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. FinDiscipline sells 2 in-app purchases, starting at $4.99 per month and PennyFlow sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

FinDiscipline ships an update every 3 months, PennyFlow daily. The most recent releases landed on October 10, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | FinDiscipline | PennyFlow |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Daily** |
| Size | 25 MB | 5 MB |
| Requires iOS | **13.0** | 18.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Aryan Mishra](https://appshunter.io/developer/1842371970) | [2. MANUEL KARL-HEINZ 1. ZANGL](https://appshunter.io/developer/1867235080) |

## What reviewers say

### FinDiscipline

[App page](https://appshunter.io/ios/app/findiscipline/id6753079227)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $4.99 | per month |
| Monthly | $49.99 | per month |


### PennyFlow

[App page](https://appshunter.io/ios/app/pennyflow-expense-tracker/id6757489346)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyFlow Pro | $4.99 | one-time |


## Frequently asked questions

### Is FinDiscipline free?

FinDiscipline is free to download, with in-app purchases available.

### Is PennyFlow free?

PennyFlow is free to download, with in-app purchases available.

### Do FinDiscipline or PennyFlow have ads?

Neither FinDiscipline nor PennyFlow shows ads.

### Which is updated more often, FinDiscipline or PennyFlow?

FinDiscipline ships an update every 3 months, and PennyFlow daily. Most recently, FinDiscipline was updated on October 10, 2026 and PennyFlow on October 8, 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.*