Comparison

PennyFlow vs My Simplified Budget

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

Head to head
About

PennyFlow

Features
Read full description

PennyFlow - Your Smart Expense Tracker Take control of your finances with PennyFlow, the elegant and powerful expense tracking app for iOS. KEY FEATURES - Quick entry for income and expenses - Smart categorization (Food, Transport, Shopping and more) - Recurring transactions for subscriptions and regular payments - Budget goals with real-time progress tracking - Photo attachments for receipts - Detailed statistics and trends - Interactive charts to visualize your spending SMART INSIGHTS PennyFlow analyzes your spending and provides valuable insights: - Spending trends vs. previous month - Top spending categories at a glance - Savings opportunities and recommendations - Weekend spending analysis - No-spend days tracking BUDGET MANAGEMENT Set monthly budget goals for each category and receive automatic warnings at 75% and 90% usage. Stay in the green zone effortlessly. RECURRING TRANSACTIONS Record subscriptions and regular payments once. Track recurring expenses separately for better budget planning. DETAILED STATISTICS - Balance over time - Category comparisons (Bar & Pie Charts) - Monthly comparisons - Average daily spending - Spending streaks EXPORT OPTIONS Export your data as CSV or PDF for taxes, accounting, or personal archiving. BEAUTIFUL DESIGN - Native iOS design with Dark Mode support - Intuitive navigation - Fast input with smart forms - Haptic feedback for better user experience PRIVACY FIRST Your data stays on your device. No cloud sync, no data collection, no ads. PENNYFLOW PRO Upgrade to Pro for advanced features: - Photo attachments for receipts - Unlimited smart insights - Unlimited budget goals - PDF export - Recurring transactions One-time purchase - No subscription - Lifetime access PERFECT FOR - Students managing their budget - Families saving together - Freelancers with irregular income - Anyone optimizing their finances Download PennyFlow now and start your journey to better finances!

About

My Simplified Budget

Easily manage your personal finances by tracking monthly budget categories, setting targets, and assigning transactions. Gain insights into your spending habits with detailed statistics by category and merchant.

Highlights
  • Track monthly budget categories
  • Set spending targets
  • Assign transactions
  • Import from bank/credit card
  • Spending statistics by category
  • Spending statistics by merchant
Features
Read full description

This app makes managing your personal budget incredibly easy. You can track your monthly budget categories by setting targets and assigning transactions that you've entered or imported from a credit card or bank statement. You can also get statistics on your spending by category and by merchant. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PennyFlow4 screens
My Simplified Budget3 screens

Verdict

The call

The clearest difference is update cadence: PennyFlow at daily against My Simplified Budget's every 2 weeks. PennyFlow also leads on iOS requirement (18.6 vs 26.2). On price, ads, in-app purchases and device support 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. PennyFlow sells 1 one-off in-app purchase and My Simplified Budget sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PennyFlow ships an update daily, My Simplified Budget every 2 weeks. The most recent releases landed on October 28, 2026 and November 5, 2026 respectively.

Scorecard2 real differences ยท 6 level
PennyFlow versus My Simplified Budget: the parameters behind the verdict, then further details
ParameterPennyFlowMy Simplified Budget
PriceFreeFree
Positive reviewsโ€”100.0% of reviews
Update frequencyDaily โ€” betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
Monetizationโ€”Freemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.6 โ€” better26.2
Further details โ€” not scored
Size5 MB9 MB
Age rating17+4+
Developer2. MANUEL KARL-HEINZ 1. ZANGLPATRICK BEDARD

In-app purchases

1 purchases

PennyFlow

One-time1
  • PennyFlow Pro$4.99
2 purchases

My Simplified Budget

Subscriptions2
  • Premium membership$1.991 Month
  • Annual membership$12.991 Year

Questions

Is PennyFlow free?
PennyFlow is free to download, with in-app purchases available.
Is My Simplified Budget free?
My Simplified Budget is free to download, with in-app purchases available.
Do PennyFlow or My Simplified Budget have ads?
Neither PennyFlow nor My Simplified Budget shows ads.
Which is updated more often, PennyFlow or My Simplified Budget?
PennyFlow ships an update daily, and My Simplified Budget every 2 weeks. Most recently, PennyFlow was updated on October 28, 2026 and My Simplified Budget on November 5, 2026.

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