Comparison

PennyFlow vs SubFlow

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

SubFlow

Features
Read full description

Stop wasting money on forgotten subscriptions! SubFlow helps you track all your recurring payments in one beautiful, easy-to-use dashboard. Whether it's Netflix, Spotify, gym memberships, streaming services, or any recurring bill โ€” SubFlow keeps everything organized and reminds you before charges hit your account. WHY SUBFLOW? โ€ข Track all subscriptions in one place โ€ข Never miss a renewal date again โ€ข See exactly where your money goes โ€ข Beautiful charts and spending insights โ€ข No account needed โ€” your data stays private COMPREHENSIVE SUBSCRIPTION TRACKING Track monthly, yearly, weekly & custom billing cycles View upcoming renewals at a glance Monitor total monthly and yearly spending Organize subscriptions with custom categories Search and filter your subscriptions instantly Template library for quick subscription setup FINANCIAL INSIGHTS & CHARTS Beautiful spending charts and analytics Category breakdown visualization Spending forecast (30/90 days & year-to-date) Monthly financial summary dashboard Track spending trends over time Export data as CSV for external analysis SMART NOTIFICATIONS & REMINDERS Get reminded before subscription renewals Customizable notification timing Renewal alerts: today, tomorrow, or days ahead Never get surprised by unexpected charges MULTI-CURRENCY SUPPORT Support for 150+ world currencies Live exchange rate updates Track subscriptions in different currencies Automatic conversion to your main currency Perfect for international users HOME SCREEN WIDGETS Monthly Total widget โ€” see spending at a glance Upcoming Renewals widget โ€” never miss a payment Multiple widget sizes Quick access without opening the app PRIVACY & SECURITY All data stored locally on YOUR device No account required โ€” start immediately Optional biometric lock (Face ID/Touch ID) Your subscription data stays private We don't sell your personal information BEAUTIFUL DESIGN Modern design with dark & light modes Smooth animations and transitions MULTI-LANGUAGE SUPPORT Available in 44+ languages Automatic language detection MORE FEATURES Custom categories with icons Flexible billing periods App shortcuts for quick actions Rich subscription templates Detailed subscription info screen FREE TO USE โ€” NO HIDDEN COSTS SubFlow is free to download and use with no hidden fees or premium subscriptions required. All features are available from day one. FEEDBACK Rate us and help us improve SubFlow! Download SubFlow now and take control of your subscription spending! Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula Privacy: https://lid-web-privacy.web.app/subtrack-privacy-policy-ios.html

Screenshots

PennyFlow4 screens
SubFlow4 screens

Verdict

The call

The clearest difference is in-app purchases: SubFlow at none against PennyFlow's 1. On price, ads, device support and iOS requirement 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. SubFlow asks for nothing beyond the download.

Scorecard1 real difference ยท 5 level
PennyFlow versus SubFlow: the parameters behind the verdict, then further details
ParameterPennyFlowSubFlow
PriceFreeFree
Update frequencyDailyโ€”
AdsNoNo
In-app purchasesYesNo โ€” better
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.618.2 โ€” better
Further details โ€” not scored
Size5 MB18 MB
Age rating17+4+
Developer2. MANUEL KARL-HEINZ 1. ZANGLMuge Akalin

In-app purchases

1 purchases

PennyFlow

One-time1
  • PennyFlow Pro$4.99
None

SubFlow

No in-app purchases

Questions

Is PennyFlow free?
PennyFlow is free to download, with in-app purchases available.
Is SubFlow free?
SubFlow is free to download, with no in-app purchases.
Do PennyFlow or SubFlow have ads?
Neither PennyFlow nor SubFlow shows ads.

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