PennyFlow vs SubTrack
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
PennyFlow
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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!
SubTrack
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SubTrack is the subscription tracker that helps you track subscriptions, renewals, and trial periods in one simple app. Never miss a renewal or forget to cancel a free trial. MAIN FEATURES COMPREHENSIVE SUBSCRIPTION TRACKING Track streaming services like Netflix, Disney Plus, Apple TV Plus, HBO Max, Paramount Plus, Hulu, music services like Spotify, Apple Music, YouTube Music, Tidal, cloud storage like iCloud, Dropbox, Google Drive, education platforms like Coursera, Skillshare, Duolingo, MasterClass, fitness apps like Peloton, Strava, Headspace, Calm, gaming services like Apple Arcade, PlayStation Plus, with ready-made presets. PREMIUM CARD FEE TRACKING Never forget your annual credit card fees. Track premium cards including American Express Platinum, American Express Gold, Chase Sapphire Reserve, Capital One Venture X, World of Hyatt, Marriott Bonvoy Brilliant, Delta Reserve, United Club Infinite, Hilton Honors Aspire. Get smart reminders 30 days before your annual fee is due. SMART ANALYTICS AND FORECASTS Visualize your spending with charts. See monthly and yearly totals, spending breakdown by category, monthly forecast showing how much you will spend this month, 12-month forecast showing all upcoming charges, and average spending by category. INTELLIGENT NOTIFICATIONS Get smart reminders before you are charged. Receive notifications one day before subscription renewal asking if you still use the service, 30 days before premium card annual fees, customizable notification times, and never miss an important charge. SIMPLE AND EASY TO USE Add subscriptions in seconds using ready-made presets. Select a service and you are done. Or create custom subscriptions manually. Beautiful interface with dark mode and light mode support, sort by name date or price, archive inactive subscriptions, and search and filter by categories. SECURITY AND PRIVACY Your data stays on your iPhone. No accounts or registration required, complete control over your data, and Face ID or Touch ID support coming soon. FLEXIBLE PRICING Free version lets you track up to 3 subscriptions. Premium version unlocks unlimited subscriptions with one-time purchase. WHO IS THIS FOR Perfect for anyone who has multiple subscriptions, premium credit card holders who want to track annual fees, people who want to optimize spending and find forgotten subscriptions, families who want to see total spending on services, and anyone tired of unexpected charges. REAL SAVINGS Research shows the average person spends over 200 dollars per month on subscriptions but forgets about many of them. With SubTrack you can see all your expenses in one place, find forgotten subscriptions you no longer use, make informed decisions about renewals, and save hundreds of dollars per year. WHAT MAKES US DIFFERENT FOCUSED ON SUBSCRIPTIONS AND PREMIUM CARDS We specialize in subscriptions and premium card fees. This makes our app faster and more convenient for tracking subscriptions specifically. MAXIMUM SIMPLICITY Add a subscription in 3 seconds. No complicated forms just the fields you need. Quick preset selection for popular services or manual entry for full control. FORECASTS AND ANALYTICS Not just a list of subscriptions but real understanding of when and how much you will spend. See monthly and yearly forecasts to plan your budget accordingly. SMART NOTIFICATIONS Not just simple reminders but intelligent notifications that help you make decisions. Get notified before you are charged and decide if you still need the service. NATIVE iOS DESIGN Modern SwiftUI interface with smooth animations. GET STARTED TODAY Download SubTrack free and add all your subscriptions in just 2 minutes. SubTrack is your personal assistant for managing subscriptions and finances. Download free today and take control of your recurring expenses.
Screenshots
Verdict
The clearest difference is update cadence: PennyFlow at daily against SubTrack's every 3 weeks. 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
Both are free to download. PennyFlow sells 1 one-off in-app purchase and SubTrack sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
PennyFlow ships an update daily, SubTrack every 3 weeks. The most recent releases landed on October 8, 2026 and October 1, 2026 respectively.
| Parameter | PennyFlow | SubTrack |
|---|---|---|
| Price | Free | Free |
| Update frequency | Daily โ better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.6 | 17.6 โ better |
| Further details โ not scored | ||
| Size | 5 MB | 16 MB |
| Age rating | 17+ | 4+ |
| Developer | 2. MANUEL KARL-HEINZ 1. ZANGL | Alexander Zakharin |
In-app purchases
PennyFlow
- PennyFlow Pro$4.99
SubTrack
- Pro Weekly3 Days trial$0.997 Days
- Pro Annual$9.991 Year
- Pro Lifetime$19.99









