Comparison

Pennify vs SubsTrack

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

Pennify

Features
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Pennify is a minimalist expense tracker designed for those who want simplicity without compromise. Not just an account โ€” but a choice for your future. Record every moment intentionally, and watch your financial clarity grow. Why Pennify? Ultra-Sleek Design: Open and record in seconds. No clutter, no ads, no distractions โ€” just pure focus on your money flow. Elegant & Minimal: A bold symbol on the home screen paired with a thoughtful reminder: tracking isn't a chore, it's a gentle commitment to tomorrow. Simple Types: 20+ intuitive icon categories (catering, shopping, daily, traffic, game, travel, beauty, medical, housing, study, and more) โ€” one-tap selection, no deep menus. Clean Data Display: Clear income/expense summaries, calendar-style transaction list, monthly/yearly overviews. See balances, trends, and details at a glance. Instant & Effortless: Quick add with + button, download import support, local-first data with optional cloud sync (coming soon). Lightweight & Private: Small app size, low battery use, no unnecessary permissions. Build the habit without the hassle.

About

SubsTrack

Features
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SubsTrack tracks subscriptions and reminds you before renewals. SubsTrack is built around one focused idea, with a polished, native interface and zero clutter. FEATURES - Clear, private tracking - On-device only โ€” no bank login - Helpful charts - No account needed PRIVACY Everything stays on your device. No accounts, no ads, no tracking. โ€” SUBSCRIPTION โ€” SubsTrack Premium unlocks all features. - Weekly: $9.99 per week - Yearly: $49.99 per year (3-day free trial) Payment is charged to your Apple ID at confirmation of purchase. Subscriptions auto-renew unless turned off at least 24 hours before the end of the current period. Manage or cancel anytime in App Store settings. Terms of Use (EULA): https://web-levi.web.app/terms-of-service Privacy Policy: https://web-levi.web.app/privacy-policy

Screenshots

Pennify3 screens
SubsTrack3 screens

Verdict

The call

The clearest difference is in-app purchases: Pennify at none against SubsTrack's 2. Pennify also leads on update cadence (weekly vs every 3 weeks) and device support (3 vs 1). SubsTrack's advantage is ads (none vs shown). On price 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. SubsTrack sells 2 in-app purchases, starting at $4.99 per 7 days. Pennify asks for nothing beyond the download.

UpkeepUpdate frequency

Pennify ships an update weekly, SubsTrack every 3 weeks. The most recent releases landed on September 10, 2026 and September 20, 2026 respectively.

Scorecard5 real differences ยท 1 level
Pennify versus SubsTrack: the parameters behind the verdict, then further details
ParameterPennifySubsTrack
PriceFreeFree
Update frequencyWeekly โ€” betterEvery 3 weeks
AdsYesNo โ€” better
In-app purchasesNo โ€” betterYes
DevicesiPhone, iPad, iPod โ€” betteriPhone
Requires iOS13.0 โ€” better17.0
Further details โ€” not scored
Size67 MB1 MB
Age rating4+4+
Developerๅฟ—็…Œ ่ฐขPhuc Pham

In-app purchases

None

Pennify

No in-app purchases

2 purchases

SubsTrack

Subscriptions2
  • Weekly$4.997 Days
  • Yearly$24.991 Year

Questions

Is Pennify free?
Pennify is free to download, with no in-app purchases.
Is SubsTrack free?
SubsTrack is free to download, with in-app purchases available.
Do Pennify or SubsTrack have ads?
Pennify shows ads; SubsTrack does not.
Which is updated more often, Pennify or SubsTrack?
Pennify ships an update weekly, and SubsTrack every 3 weeks. Most recently, Pennify was updated on September 10, 2026 and SubsTrack on September 20, 2026.

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