# Nuvio vs Penko Expense Tracker

The clearest difference is rating: Nuvio at 4.8 against Penko Expense Tracker's 4.0. Nuvio also leads on update cadence (every 3 weeks vs every 5 months) and ratings volume (5 vs 1). Penko Expense Tracker's advantage is ads (none vs shown) and iOS requirement (16.2 vs 18.6). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Nuvio sells 3 in-app purchases, starting at $1.99 per 7 days and Penko Expense Tracker sells 8 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Nuvio holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Nuvio has 5 ratings behind it against 1, so its average is the more settled of the two.

Nuvio ships an update every 3 weeks, Penko Expense Tracker every 5 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Nuvio | Penko Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/nuvio-budget-tracker/id6753201126/reviews)** | [4.0 (1 ratings)](https://appshunter.io/ios/app/penko-expense-tracker/id6754943713/reviews) |
| Number of ratings | **5** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 5 months |
| Monetization | Free | — |
| Size | 32 MB | 5 MB |
| Requires iOS | 18.6 | **16.2** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Tarik Zukic](https://appshunter.io/developer/1648370934) | [AKINALP FIDAN](https://appshunter.io/developer/1844114666) |

## What reviewers say

### Nuvio

[App page](https://appshunter.io/ios/app/nuvio-budget-tracker/id6753201126)

This free personal finance app allows you to track spending, manage budgets, and monitor debt without requiring bank logins or subscriptions. Your financial data remains private and stored solely on your device, with no ads or cloud storage.

**Highlights:** Private, offline data storage, No bank login required, Customizable monthly/daily budgets, Debt payoff tracking, Spending and income logging, CSV export

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Nuvio Pro Weekly | $1.99 | per 7 days |
| Nuvio Pro Monthly | $4.99 | per month |
| Nuvio Pro Yearly | $45.99 | per year |


### Penko Expense Tracker

[App page](https://appshunter.io/ios/app/penko-expense-tracker/id6754943713)

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

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Water | $0.29 | one-time |
| Tea | $0.49 | one-time |
| Bagel | $0.99 | one-time |
| Coffee | $1.49 | one-time |
| Wrap | $2.99 | one-time |
| Burger | $4.99 | one-time |
| Turkish Doner | $8.99 | one-time |
| Surprise Me | $14.99 | one-time |


## Frequently asked questions

### Is Nuvio free?

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

### Is Penko Expense Tracker free?

Penko Expense Tracker is free to download, with in-app purchases available.

### Which has better reviews, Nuvio or Penko Expense Tracker?

Nuvio is rated higher. Nuvio averages 4.8 out of 5 from 5 ratings, while Penko Expense Tracker averages 4.0 from 1 ratings.

### Do Nuvio or Penko Expense Tracker have ads?

Nuvio shows ads; Penko Expense Tracker does not.

### Which is updated more often, Nuvio or Penko Expense Tracker?

Nuvio ships an update every 3 weeks, and Penko Expense Tracker every 5 months. Most recently, Nuvio was updated on October 26, 2026 and Penko Expense Tracker on October 24, 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.*