Comparison

PennySave vs Spendline

Price, ratings, monetisation and update history for both apps, side by side — 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

Spendline

Effortlessly track your daily expenses with quick entry and clear visualizations. Set budgets, monitor spending habits, and gain insights into where your money goes with customizable categories and recurring expense management.

Highlights
  • One-line expense logging
  • Customizable categories
  • Monthly budgeting
  • Spending pace line
  • Recurring expense management
  • Home/Lock Screen widgets
  • iCloud sync
Features
Read full description

Spendline is the expense tracker that keeps it to one line: type the amount, tap a category, save. No forms, no setup, no spreadsheets. Just a clear picture of where your money goes. LOG IN SECONDS • A big keypad and colorful category tiles right on the main screen • Add a note or pick another date when you need to • Tapped the wrong category? Undo right after saving KNOW WHERE YOU STAND • Today, this week and this month totals always at the top • Set a monthly budget and see what is left and how much you can spend per day • A pace line shows whether you are spending faster than planned STATISTICS THAT MAKE SENSE • Day, week, month and year views • Bar charts and a running total, compared with the previous period • Tap any bar to see its exact amount • The category breakdown shows what takes the biggest share YOUR CATEGORIES, YOUR WAY • 12 ready-made categories to start with • Create your own with colors and icons, reorder or archive them; your history is kept RECURRING EXPENSES • Rent, subscriptions, bills: daily, weekly, monthly or yearly • Confirm or skip each one when it comes due ALWAYS WITHIN REACH • Home Screen and Lock Screen widgets • A Control Center button for quick entry • Siri and Shortcuts: log an expense with your voice SYNCED AND PRIVATE • iCloud sync keeps your expenses, categories and budget up to date on all your devices • No sign-up needed; your data stays on your device and in your private iCloud • Lock the app with Face ID, Touch ID or your passcode • Choose your currency and the day your week and month start (handy if you count from payday) • Export everything to CSV • Dark mode and 12 languages Start today and see your spending in a whole new line.

Screenshots

PennySave4 screens
Spendline4 screens

Verdict

The call

The clearest difference is in-app purchases: Spendline at none against PennySave's 1. Spendline also leads on update cadence (daily vs weekly) and iOS requirement (18.0 vs 26.0). On price, ads and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. PennySave sells 1 in-app purchase, starting at $4.99 per month. Spendline asks for nothing beyond the download.

UpkeepUpdate frequency

PennySave ships an update weekly, Spendline daily. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard3 real differences Ā· 5 level
PennySave versus Spendline: the parameters behind the verdict, then further details
ParameterPennySaveSpendline
PriceFreeFree
Positive reviews—100.0% of reviews
Update frequencyWeeklyDaily — better
AdsNoNo
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhoneiPhone
Requires iOS26.018.0 — better
Further details — not scored
Size16 MB5 MB
Age rating4+4+
DeveloperMykhaylo ZhylevychAlper Sumer Guc

In-app purchases

1 purchases

PennySave

Subscriptions1
  • Premium1 Month trial$4.991 Month
None

Spendline

No in-app purchases

Questions

Is PennySave free?
PennySave is free to download, with in-app purchases available.
Is Spendline free?
Spendline is free to download, with no in-app purchases.
Do PennySave or Spendline have ads?
Neither PennySave nor Spendline shows ads.
Which is updated more often, PennySave or Spendline?
PennySave ships an update weekly, and Spendline daily. Most recently, PennySave was updated on October 30, 2026 and Spendline on October 31, 2026.

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