Comparison

PennySave vs Budgify

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

Head to head
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

About

Budgify

Features
Read full description

Wondering where your money goes? Take control of your finances with Budgify! The simplest way to track expenses, manage your wallets and achieve your financial goals. KEY FEATURES: โ€ข Wallet Management: Track your cash, bank accounts, or credit cards in one place. โ€ข Insightful Reports: Visualize your spending habits with beautiful, easy-to-read charts. โ€ข Quick Entry: Add income and expenses in seconds. โ€ข Smart Categorization: Organize your spending into categories like groceries, bills, and entertainment. โ€ข Modern Design: Sleek interface with full Dark Mode support. UNLOCK LIMITS WITH BUDGIFY PRO: Use the app for free or upgrade to Pro for exclusive benefits: โ€ข Create Unlimited Wallets โ€ข Unlimited Budget Planning โ€ข Ad-Free Experience Budgify replaces complex spreadsheets with a powerful, pocket-sized financial assistant. Whether you're saving for a dream vacation or just managing daily expenses, we make budgeting simple and effective. Download Budgify today and start budgeting smarter! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PennySave4 screens
Budgify4 screens

Verdict

The call

The clearest difference is ads: PennySave at none against Budgify's shown. Budgify's advantage is device support (3 vs 1) and iOS requirement (15.6 vs 26.0). On price, update cadence and in-app purchases 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 and Budgify sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard3 real differences ยท 3 level
PennySave versus Budgify: the parameters behind the verdict, then further details
ParameterPennySaveBudgify
PriceFreeFree
Update frequencyWeeklyWeekly
AdsNo โ€” betterYes
In-app purchasesYesYes
DevicesiPhoneiPhone, iPad, iPod โ€” better
Requires iOS26.015.6 โ€” better
Further details โ€” not scored
Size16 MB92 MB
Age rating4+4+
DeveloperMykhaylo ZhylevychENES KUCUKPEHLIVAN

In-app purchases

1 purchases

PennySave

Subscriptions1
  • Premium1 Month trial$4.991 Month
2 purchases

Budgify

Subscriptions2
  • Premium Monthly3 Days trial$2.991 Month
  • Premium Yearly3 Days trial$24.991 Year

Questions

Is PennySave free?
PennySave is free to download, with in-app purchases available.
Is Budgify free?
Budgify is free to download, with in-app purchases available.
Do PennySave or Budgify have ads?
Budgify shows ads; PennySave does not.
Which is updated more often, PennySave or Budgify?
PennySave ships an update weekly, and Budgify weekly. Most recently, PennySave was updated on October 30, 2026 and Budgify on October 31, 2026.

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