# Moniqa vs Penny Pilot

The clearest difference is iOS requirement: Moniqa at 18.0 against Penny Pilot's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Moniqa sells 1 one-off in-app purchase and Penny Pilot sells 6 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

Moniqa ships an update every 4 weeks, Penny Pilot every 6 weeks. The most recent releases landed on October 30, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | Moniqa | Penny Pilot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 6 weeks |
| Monetization | — | Freemium |
| Size | 65 MB | 34 MB |
| Requires iOS | **18.0** | 26.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Jayanta Adhikary](https://appshunter.io/developer/1825354014) | [Babak Ramazanilar](https://appshunter.io/developer/6792482122) |

## What reviewers say

### Moniqa

[App page](https://appshunter.io/ios/app/moniqa-budgeting-app/id6753097385)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Moniqa Premium | $9.99 | one-time |


### Penny Pilot

[App page](https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120)

This app offers a private and offline way to track your expenses without requiring an account or linking bank information. It provides a clear breakdown of spending, customizable wallets, and optional advanced features for deeper financial insights.

**Highlights:** Private, offline expense tracking, No account or bank linking required, Customizable wallets and budgets, Spending history and monthly breakdown, On-device Apple Intelligence insights, Multi-currency support (Pro), Yearly statistics (Pro)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $5.99 | per month |
| Pro Yearly | $49.99 | per year |
| Small Tip | $1.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Pro Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Moniqa free?

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

### Is Penny Pilot free?

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

### Do Moniqa or Penny Pilot have ads?

Neither Moniqa nor Penny Pilot shows ads.

### Which is updated more often, Moniqa or Penny Pilot?

Moniqa ships an update every 4 weeks, and Penny Pilot every 6 weeks. Most recently, Moniqa was updated on October 30, 2026 and Penny Pilot on November 10, 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.*