# Penko Expense Tracker vs Horyzon

The clearest difference is update cadence: Horyzon at fortnightly against Penko Expense Tracker's every 5 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Penko Expense Tracker sells 8 one-off in-app purchases and Horyzon sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Penko Expense Tracker ships an update every 5 months, Horyzon fortnightly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Penko Expense Tracker | Horyzon |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2 ratings)](https://appshunter.io/ios/app/penko-expense-tracker/id6754943713/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | Free with in-app purchases | — |
| Size | 5 MB | 109 MB |
| Requires iOS | **16.2** | 16.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [AKINALP FIDAN](https://appshunter.io/developer/1844114666) | [Furkan Caglayan](https://appshunter.io/developer/1880581801) |

## What reviewers say

### Penko Expense Tracker

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

This app offers a private and offline way to manage your money. It provides smart analysis of spending patterns, flexible expense tracking, and financial planning tools. All your data is stored locally on your device, ensuring complete privacy.

**Highlights:** Smart spending analysis with charts, Flexible expense tracking with custom categories, Offline functionality, Financial planning and goal setting, Privacy-focused local data storage, Customizable themes and languages

**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 |


### Horyzon

[App page](https://appshunter.io/ios/app/horyzon-portfolio-tracker/id6759776199)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Horyzon Pro - Monthly | $9.99 | per month |
| Horyzon Pro - Yearly | $39.99 | per year |


## Frequently asked questions

### Is Penko Expense Tracker free?

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

### Is Horyzon free?

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

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

Neither Penko Expense Tracker nor Horyzon shows ads.

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

Penko Expense Tracker ships an update every 5 months, and Horyzon fortnightly. Most recently, Penko Expense Tracker was updated on November 5, 2026 and Horyzon on October 31, 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.*