# Penko Expense Tracker vs Offin

The clearest difference is rating: Offin at 5.0 against Penko Expense Tracker's 4.5. Offin also leads on update cadence (weekly vs every 5 months). Penko Expense Tracker's advantage is monetization model (free with in-app purchases vs paid). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Penko Expense Tracker sells 8 one-off in-app purchases and Offin sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Offin holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

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

## The numbers

| Metric | Penko Expense Tracker | Offin |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/penko-expense-tracker/id6754943713/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/offin-offline-expense-tracker/id6791779529/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Weekly** |
| Monetization | **Free with in-app purchases** | Paid |
| Size | 5 MB | 38 MB |
| Requires iOS | **16.2** | 17.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [AKINALP FIDAN](https://appshunter.io/developer/1844114666) | [RADIX IT TECH INC](https://appshunter.io/developer/6778635367) |

## 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 |


### Offin

[App page](https://appshunter.io/ios/app/offin-offline-expense-tracker/id6791779529)

This app helps you track expenses and manage your budget privately on your iPhone. It uses on-device AI to categorize transactions from imported bank statements or voice input, eliminating the need for bank logins or subscriptions.

**Highlights:** On-device AI transaction categorization, Import bank statements (PDF/CSV), Apple Pay transaction logging, Voice input for transactions, Customizable categories and rules, Net worth, spending, and budget tracking, Offline functionality

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime Unlock | $9.99 | one-time |


## Frequently asked questions

### Is Penko Expense Tracker free?

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

### Is Offin free?

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

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

Offin is rated higher. Penko Expense Tracker averages 4.5 out of 5 from 2 ratings, while Offin averages 5.0 from 1 ratings.

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

Neither Penko Expense Tracker nor Offin shows ads.

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

Penko Expense Tracker ships an update every 5 months, and Offin weekly. Most recently, Penko Expense Tracker was updated on November 5, 2026 and Offin 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.*