Comparison

Paycheck by Paycheck vs penii

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

Head to head
About

Paycheck by Paycheck

Features
Read full description

Budget by paycheck, not by month. Plan bills, savings, and spending around your actual pay schedule. Know what’s safe to spend before payday and give every paycheck a purpose. β€’ Bill planning β€’ Spending envelopes β€’ Savings goals β€’ Future expense planning β€’ Safe-to-spend tracking Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://paycheckbypaycheck.com/privacy

About

penii

Read full description

Penii helps you plan your money before you spend it. Add your income, bills, goals, and weekly budget, then see how your money is expected to move through the month. Your budget is built into the forecast, so you can see what is due, what is left, and what is safe to spend. Instead of only looking back at what already happened, penii helps you look ahead. Plan your month in a full calendar view, track bills and activity, customize your dashboard, and stay closer to your money week by week. No bank linking. No account syncing. You enter only what you choose. FEATURES FORECAST YOUR MONTH See your income, bills, goals, weekly budget, and remaining balance across a full month view. KNOW WHAT IS SAFE TO SPEND Your weekly budget is planned into your money flow, helping you see what is already spoken for before money is actually spent. TRACK BILLS AND ACTIVITY Log bills, mark them paid, and keep a clear record of what has happened. CUSTOMIZE YOUR DASHBOARD Choose the dashboard layout and background that make your money easier to read. SET GOALS Create savings goals and track progress over time. PRIVATE BY DESIGN penii does not link to your bank. You enter only what you choose, and you can delete your account and data from Settings. Terms of Use: https://penii.us/terms Privacy Policy: https://penii.us/privacy

Screenshots

Paycheck by Paycheck3 screens
penii4 screens

Verdict

The call

The clearest difference is in-app purchases: penii at none against Paycheck by Paycheck's 2. Paycheck by Paycheck's advantage is device support (3 vs 1). On price, update cadence, ads and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Paycheck by Paycheck sells 2 in-app purchases, starting at $5.99 per month. penii asks for nothing beyond the download.

UpkeepUpdate frequency

Paycheck by Paycheck ships an update fortnightly, penii every 4 weeks. Both last shipped on October 31, 2026.

Scorecard2 real differences Β· 4 level
Paycheck by Paycheck versus penii: the parameters behind the verdict, then further details
ParameterPaycheck by Paycheckpenii
PriceFreeFree
Update frequencyFortnightly β€” betterEvery 4 weeks
AdsNoNo
In-app purchasesYesNo β€” better
DevicesiPhone, iPad, iPod β€” betteriPhone
Requires iOS15.1 β€” better16.0
Further details β€” not scored
Size65 MB44 MB
Age rating4+4+
DeveloperDAVID ANDREW LIVINGSTONBryan Brunot

In-app purchases

2 purchases

Paycheck by Paycheck

Subscriptions2
  • Monthly Subscription14 Days trial$5.991 Month
  • Annual Subscription14 Days trial$49.991 Year
None

penii

No in-app purchases

Questions

Is Paycheck by Paycheck free?
Paycheck by Paycheck is free to download, with in-app purchases available.
Is penii free?
penii is free to download, with no in-app purchases.
Do Paycheck by Paycheck or penii have ads?
Neither Paycheck by Paycheck nor penii shows ads.
Which is updated more often, Paycheck by Paycheck or penii?
Paycheck by Paycheck ships an update fortnightly, and penii every 4 weeks. Most recently, Paycheck by Paycheck was updated on October 31, 2026 and penii on October 31, 2026.

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