Split Bills & Expenses vs Penni
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Split Bills & Expenses
Easily track shared expenses for groups or couples. Log payments in any currency with automatic real-time conversions. Split bills equally, by ratio, or custom amounts, and get instant balance updates.
- Multi-currency expense logging
- Automatic real-time currency conversion
- Multiple split methods (equal, ratio, custom)
- Real-time sync and notifications
- Attach photos to payments
- Offline expense recording
- Budget alerts
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For two or a crowd. Just log your payments and instantly see currency conversions, balances, and who owes what to whom. No account needed. Open the app and start right away. 【Why Choose Evere】 - Record in any currency — Converts automatically at real-time rates. No need to look up exchange rates - No sign-up, instant start — Inviting members is optional. Add a name and you're good to go - 3 ways to split — Equal, by ratio, or custom amounts. Handle any split, any way you like - Real-time sync & notifications — The moment someone logs a payment, everyone sees it instantly - Attach photos to payments — Save receipt photos alongside your expenses. Check back anytime - Works offline — Record expenses without a connection. Syncs automatically when you're back online - Budget alerts — Set a limit per trip. Get notified before you overspend 【Perfect for】 - Group travel and trip expenses - Dining out and splitting bills - Couples and families managing shared costs - Daily multi-currency tracking for expats - Tracking your own everyday spending Terms of Use: https://support.evereapp.com/en/terms/
Penni
Manage your finances with a calm, beautifully simple approach. Track spending, set gentle budgets, and grow savings without spreadsheets or account creation. Your data stays private on your device and synced via iCloud.
- Private by design, no sign-up required
- Track expenses and income
- Set gentle budgets
- Manage savings goals
- Financial health score
- Home and Lock Screen widgets
- iCloud sync and backup
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Penni is a calmer way to manage your money. Track what you spend, set gentle budgets, and watch your savings grow — in an app that feels warm, unhurried, and beautifully simple. No spreadsheets, no clutter, and no account to create. Just open Penni and start. PRIVATE BY DESIGN • No sign-up, no login, no account. Ever. • Your data is stored on your device and synced privately through your own iCloud — it never touches our servers, because we don't have any. • Lock the app behind Face ID or Touch ID for an extra layer of privacy. SEE YOUR MONEY AT A GLANCE • A clean home dashboard with your total balance, income, and spending for the month. • Beautiful wallet cards for cash, bank accounts, cards, savings, and more. • A simple financial-health score that tells you how you're doing. TRACK EVERY TRANSACTION • Log expenses and income in seconds. • Organize with tidy, colorful categories and per-day grouping. • Search and filter by date range to find anything fast. BUDGETS THAT GUIDE YOU • Set gentle limits for the categories you care about. • Always know exactly where you stand — without the guilt. REACH YOUR GOALS • Save for an emergency fund, a new phone, or a dream trip. • Watch each goal fill up as you set money aside. INSIGHTS • Spending trends and category breakdowns that actually make sense. WORKS WHERE YOU DO • Home Screen and Lock Screen widgets keep your balance and budgets a glance away. • A Live Activity keeps an eye on your budget while you spend. ICLOUD SYNC & BACKUP • Turn on iCloud Sync and your wallets, transactions, budgets, and goals stay up to date across your iPhone and iPad automatically — and are safely backed up to your iCloud account. Penni is a personal bookkeeping tool to help you understand your own money. It does not connect to your bank, move money, or give financial advice. — PENNI PRO Penni is free to use. Penni Pro unlocks everything: unlimited wallets, unlimited budgets and goals, unlimited transactions, iCloud sync, dark mode, advanced insights, and custom categories. • Penni Pro Monthly — $3.99 / month • Penni Pro (3 Months) — $9.99 / 3 months • Penni Pro Yearly — $29.99 / year Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same price and duration unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple Account settings. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penni.cc/privacy
Screenshots
Verdict
The clearest difference is ads: Penni at none against Split Bills & Expenses's shown. Penni also leads on update cadence (every 4 days vs every 2 weeks). Split Bills & Expenses's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 18.0). On price, rating, review sentiment and ratings volume there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Split Bills & Expenses sells 2 in-app purchases, starting at $4.99 per month and Penni sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Split Bills & Expenses against 5.0 for Penni. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Split Bills & Expenses ships an update every 2 weeks, Penni every 4 days. The most recent releases landed on October 28, 2026 and October 18, 2026 respectively.
| Parameter | Split Bills & Expenses | Penni |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 1 | 1 |
| Update frequency | Every 2 weeks | Every 4 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 18.0 |
| Further details — not scored | ||
| Size | 55 MB | 59 MB |
| Age rating | 4+ | 12+ |
| Developer | Ryugo Imada | OTHMANE MDIDET |
Customer experience
Split Bills & Expenses
Penni
In-app purchases
Split Bills & Expenses
- Evere Pro Monthly Plan14 Days trial$4.991 Month
- Evere Pro Annual Plan14 Days trial$39.991 Year
Penni
- Monthly$3.991 Month
- 3 Months$9.993 Months
- Yearly$29.991 Year









