# PennyFlow vs SpendWithPlan

The clearest difference is in-app purchases: SpendWithPlan at none against PennyFlow's 1. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. PennyFlow sells 1 one-off in-app purchase. SpendWithPlan asks for nothing beyond the download.

Both ship on a similar rhythm, roughly daily. The most recent releases landed on October 8, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | PennyFlow | SpendWithPlan |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Daily | Daily |
| Size | 5 MB | 6 MB |
| Requires iOS | 18.6 | **18.5** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [2. MANUEL KARL-HEINZ 1. ZANGL](https://appshunter.io/developer/1867235080) | [Oliver Bugar](https://appshunter.io/developer/1861192579) |

## What reviewers say

### PennyFlow

[App page](https://appshunter.io/ios/app/pennyflow-expense-tracker/id6757489346)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyFlow Pro | $4.99 | one-time |


### SpendWithPlan

[App page](https://appshunter.io/ios/app/spendwithplan/id6758676961)

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

**In-app purchases:** none


## Frequently asked questions

### Is PennyFlow free?

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

### Is SpendWithPlan free?

SpendWithPlan is free to download, with no in-app purchases.

### Do PennyFlow or SpendWithPlan have ads?

Neither PennyFlow nor SpendWithPlan shows ads.

### Which is updated more often, PennyFlow or SpendWithPlan?

PennyFlow ships an update daily, and SpendWithPlan daily. Most recently, PennyFlow was updated on October 8, 2026 and SpendWithPlan on October 6, 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.*