# Qalta AI vs Penni

The clearest difference is rating: Penni at 5.0 against Qalta AI's 4.6. Penni also leads on review sentiment (100% vs 87%). Qalta AI's advantage is ratings volume (17 vs 1) and iOS requirement (16.4 vs 18.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Qalta AI sells 4 in-app purchases, starting at $3.99 per month and Penni sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Penni holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Qalta AI has 17 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 87% of Qalta AI's written reviews are positive against 100% of Penni's.

Qalta AI ships an update weekly, Penni every 4 days. Both last shipped on November 5, 2026.

## The numbers

| Metric | Qalta AI | Penni |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (17 ratings)](https://appshunter.io/ios/app/qalta-ai-expense-tracker/id6756010294/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/penni-expense-tracker/id6789282109/reviews)** |
| Number of ratings | **17** | 1 |
| Positive reviews | 87.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 4 days** |
| Monetization | Freemium | Freemium |
| Size | 93 MB | 59 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Daniel Tokkozhin](https://appshunter.io/developer/1158505850) | [OTHMANE MDIDET](https://appshunter.io/developer/1837087586) |

## What reviewers say

### Qalta AI

[App page](https://appshunter.io/ios/app/qalta-ai-expense-tracker/id6756010294)

Effortlessly track your finances using voice commands or receipt scanning. Manage budgets, goals, and debts with intuitive insights and analytics. Share ledgers with family or import historical data from other apps.

**Highlights:** Voice logging for transactions, Receipt scanning and PDF import, Shared financial spaces, Import data from other apps, Multi-currency account support, Home Screen widget and Siri Shortcuts

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Family Monthly | $5.99 | per month |
| Annually | $29.99 | per year |
| Family Annually | $49.99 | per year |


### Penni

[App page](https://appshunter.io/ios/app/penni-expense-tracker/id6789282109)

Manage your finances with a calm, beautifully simple approach. Track spending, set gentle budgets, and grow savings without spreadsheets or account creation. Your data stays private on your device and synced via iCloud.

**Highlights:** Private by design, no sign-up required, Track expenses and income, Set gentle budgets, Manage savings goals, Financial health score, Home and Lock Screen widgets, iCloud sync and backup

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| 3 Months | $9.99 | per 3 months |
| Yearly | $29.99 | per year |


## Frequently asked questions

### Is Qalta AI free?

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

### Is Penni free?

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

### Which has better reviews, Qalta AI or Penni?

Penni is rated higher. Qalta AI averages 4.6 out of 5 from 17 ratings, while Penni averages 5.0 from 1 ratings.

### Do Qalta AI or Penni have ads?

Neither Qalta AI nor Penni shows ads.

### Which is updated more often, Qalta AI or Penni?

Qalta AI ships an update weekly, and Penni every 4 days. Most recently, Qalta AI was updated on November 5, 2026 and Penni on November 5, 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.*