# PennyWise vs ExpenseFlow

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

Both are free to download. PennyWise sells 2 in-app purchases, starting at $4.99 per month. ExpenseFlow asks for nothing beyond the download.

PennyWise ships an update every 6 days, ExpenseFlow every 4 days. The most recent releases landed on September 13, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | PennyWise | ExpenseFlow |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 6 days | **Every 4 days** |
| Monetization | — | Free with in-app purchases |
| Size | 31 MB | 92 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Andrii Klymyshyn](https://appshunter.io/developer/1894667180) | [Jaya Jambhulkar](https://appshunter.io/developer/6777721973) |

## What reviewers say

### PennyWise

[App page](https://appshunter.io/ios/app/pennywise-expense-tracker/id6762556862)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyWise Pro Monthly | $4.99 | per month |
| PennyWise Pro Yearly | $29.99 | per year |


### ExpenseFlow

[App page](https://appshunter.io/ios/app/expenseflow-ai-daily-tracker/id6777721971)

Track your spending effortlessly with an AI-powered expense manager designed for Indian users. It categorizes transactions, helps you budget, and offers insights into your financial habits. Securely import bank statements and manage shared expenses with family.

**Highlights:** AI-powered expense tracking, Pre-tagged Indian merchants, Offline functionality, Budgeting and savings goals, Bank statement import, Shared expense management, AI financial coach

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

**In-app purchases:** none


## Frequently asked questions

### Is PennyWise free?

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

### Is ExpenseFlow free?

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

### Do PennyWise or ExpenseFlow have ads?

ExpenseFlow shows ads; PennyWise does not.

### Which is updated more often, PennyWise or ExpenseFlow?

PennyWise ships an update every 6 days, and ExpenseFlow every 4 days. Most recently, PennyWise was updated on September 13, 2026 and ExpenseFlow on September 22, 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.*