Comparison

PennyFlow vs Personal Portfolio

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

Personal Portfolio

Track stocks and stay updated with market news. Generate concise financial summaries with the help of Apple Shortcuts. Live market data can be enabled using your own Finnhub API key.

Highlights
  • Stock tracking
  • Market news updates
  • Concise summary generation
  • Apple Shortcuts integration
  • Optional live market data
Features
Read full description

Personal Portfolio helps you track stocks, follow market news, and generate concise summaries using Apple Shortcuts. Live market data is optional and can be enabled with your own Finnhub API key.

Screenshots

PennyFlow4 screens
Personal Portfolio4 screens

Verdict

The call

The clearest difference is update cadence: PennyFlow at daily against Personal Portfolio's every 6 days. PennyFlow also leads on iOS requirement (18.6 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PennyFlow sells 1 one-off in-app purchase and Personal Portfolio sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PennyFlow ships an update daily, Personal Portfolio every 6 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 7 level
PennyFlow versus Personal Portfolio: the parameters behind the verdict, then further details
ParameterPennyFlowPersonal Portfolio
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyDaily — betterEvery 6 days
AdsNoNo
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.6 — better26.0
Further details — not scored
Size5 MB18 MB
Age rating17+4+
Developer2. MANUEL KARL-HEINZ 1. ZANGLSenthil Kumar Chandrasekaran

In-app purchases

1 purchases

PennyFlow

One-time1
  • PennyFlow Pro$4.99
3 purchases

Personal Portfolio

One-time3
  • Small Tip$0.99
  • Medium Tip$1.99
  • Large Tip$4.99

Questions

Is PennyFlow free?
PennyFlow is free to download, with in-app purchases available.
Is Personal Portfolio free?
Personal Portfolio is free to download, with in-app purchases available.
Do PennyFlow or Personal Portfolio have ads?
Neither PennyFlow nor Personal Portfolio shows ads.
Which is updated more often, PennyFlow or Personal Portfolio?
PennyFlow ships an update daily, and Personal Portfolio every 6 days. Most recently, PennyFlow was updated on October 28, 2026 and Personal Portfolio on October 31, 2026.

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