Comparison

PennyFlow vs IPO Plus

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

IPO Plus

Features
Read full description

IPO Plus is the fastest way to track every Indian IPO in one place โ€” mainboard and SME. Follow live grey market premium (GMP) rumours, real-time subscription figures and allotment status, plus the full pipeline of rights issues, buybacks, NCDs and OFS. Research before you apply with price bands, lot sizes, issue size, lead managers and listing dates. WHAT YOU GET - Live IPO dashboard โ€” open, upcoming, closed and recently listed - GMP tracker โ€” day-wise grey market premium trend (rumour-based, indicative only) - Subscription status โ€” QIB, NII and retail figures updated through the issue - Allotment status โ€” check once basis of allotment is out - Rights issues, buybacks, NCDs & OFS โ€” dates, ratios, record dates and prices - Stock screener & market pulse - Broker reviews โ€” compare before opening a demat account - IPO news that actually moves an issue WHY IPO PLUS - Everything in one app โ€” no jumping between sites - Clean, fast, built for Indian markets - Free to use IMPORTANT IPO Plus is an information and research app. Grey market premium (GMP) figures are unofficial, rumour-based and shown for informational purposes only โ€” not a recommendation and not a reliable indicator of listing price. IPO Plus does not execute trades, does not handle application money, and is not a broker or investment adviser. Always read the offer documents and consult a SEBI-registered adviser before investing. IPO Plus is not affiliated with any stock exchange, SEBI, or grey market operator.

Screenshots

PennyFlow4 screens
IPO Plus4 screens

Verdict

The call

The clearest difference is in-app purchases: IPO Plus at none against PennyFlow's 1. IPO Plus also leads on iOS requirement (16.4 vs 18.6). On price, update cadence, ads 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. IPO Plus asks for nothing beyond the download.

UpkeepUpdate frequency

PennyFlow ships an update daily, IPO Plus every 2 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.

Scorecard2 real differences ยท 4 level
PennyFlow versus IPO Plus: the parameters behind the verdict, then further details
ParameterPennyFlowIPO Plus
PriceFreeFree
Update frequencyDaily โ€” betterEvery 2 days
AdsNoNo
In-app purchasesYesNo โ€” better
DevicesiPhone, iPad โ€” betteriPhone
Requires iOS18.616.4 โ€” better
Further details โ€” not scored
Size5 MB52 MB
Age rating17+4+
Developer2. MANUEL KARL-HEINZ 1. ZANGLQunex Tech FZCO

In-app purchases

1 purchases

PennyFlow

One-time1
  • PennyFlow Pro$4.99
None

IPO Plus

No in-app purchases

Questions

Is PennyFlow free?
PennyFlow is free to download, with in-app purchases available.
Is IPO Plus free?
IPO Plus is free to download, with no in-app purchases.
Do PennyFlow or IPO Plus have ads?
Neither PennyFlow nor IPO Plus shows ads.
Which is updated more often, PennyFlow or IPO Plus?
PennyFlow ships an update daily, and IPO Plus every 2 days. Most recently, PennyFlow was updated on October 28, 2026 and IPO Plus on October 31, 2026.

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