Comparison

Pennies vs Wallet

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

Head to head
About

Pennies

This app helps you track spending and save money by clearly showing how much you have available to spend daily. It offers flexible budgeting options and syncs across your Apple devices.

Highlights
  • Know how much to spend daily
  • Helps you save money
  • Personalized weekly, monthly, and custom budgets
  • Syncs across iPhone, iPad, and Watch via iCloud
  • Unlimited budgets
  • Flexible expense entry
  • Multiple currencies support
Features
Read full description

Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people. ••• Read the reviews and see what people are saying ••• "The easiest and simplest budgeting app ever" "Been using it everyday for a year now - and my bank account shows it!" "The perfect, simple budgeting app that actually helps me save" "Life Changing" "You need this app!" ••• MAIN FEATURES ••• > HELPS YOU KNOW HOW MUCH TO SPEND Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow. > HELPS YOU SAVE MONEY Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track. > MORE PERSONAL THAN ANY OTHER BUDGETING APP Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle. > INSTANTLY SYNC VIA ICLOUD Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you. > AS MANY BUDGETS AS YOU NEED Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up. > FLEXIBLE EXPENSES Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money. > MULTIPLE CURRENCIES Use any currency in the world for individual budgets. > TRANSFER BETWEEN BUDGETS Easily transfer money between budgets with a single click. > SUPER SIMPLE, SUPER QUICK Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know. > 3D TOUCH SUPPORT Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+ > TODAY WIDGET SUPPORT Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies. > BUDGETS ON ALL YOUR DEVICES Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go! Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple. Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month. So, start budgeting how you want, when you want, without any worry. Start using Pennies today! If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too. Check out Pennies in action: http://www.getpennies.com Follow Pennies on Twitter – https://twitter.com/PenniesApp Contact me – hello@getpennies.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://theappshop.io/privacy

About

Wallet

Features
Read full description

Wallet Tracker: Budget & Expense Manager Running out of money before month-end — but don't know where it went? Wallet Tracker shows you exactly where every rupee goes. Record expenses in seconds, track subscriptions, schedule bill reminders, and see your full financial picture at a glance — no spreadsheets, no bank logins required. Whether you're a student tracking pocket money, a professional managing monthly bills, or a family planning shared budgets — Wallet Tracker makes money management simple, smart, and stress-free. KEY FEATURES: Daily Expense & Income Tracking: Log daily spending and income in seconds with custom categories and clean visuals. Custom Calendar & Range Filters: Filter your finances by Day, Week, Month, Year, or custom date ranges using our intuitive interactive calendar. Bill Tracker & Due Date Reminders: Never miss a bill payment again! Set push notification reminders 1, 2, 3, or 7 days prior to due dates. Subscription Manager: Track recurring subscriptions (Netflix, Spotify, Prime, etc.) and stay on top of upcoming renewal costs. PDF Statement Export: Download formatted transaction statements anytime for tax filing, budget reviews, or personal archives. Receipt Image Attachments: Snap photos or upload receipts directly from your gallery to keep proof of every bill and transaction. Shared Family Wallet: Easily split expenses, track group spending, and manage shared family budgets. Visual Analytics & Insights: Understand your spending patterns with dynamic activity charts and category breakdowns. 100% PRIVATE & OFFLINE-FIRST: No Account or Signup Required: Start tracking in under 60 seconds with zero personal details needed. 100% Offline Support: Your data stays securely on your device — no internet connection required. Free Access to Premium Tools: All advanced features unlocked for free — no hidden charges or subscriptions. PERFECT FOR: Students managing pocket money & monthly allowances Professionals tracking daily spending, subscriptions & bill dues Families & Housemates managing shared budgets and split expenses Freelancers & Small Business Owners exporting monthly PDF statements No complicated setups. No bank linking required. No hidden fees. Download Wallet Tracker free today and take full control of your money in 60 seconds!

Screenshots

Pennies4 screens
Wallet4 screens

Verdict

The call

The clearest difference is in-app purchases: Wallet at none against Pennies's 16. Wallet also leads on ads (none vs shown). Pennies's advantage is update cadence (every 6 days vs every 3 weeks) and device support (4 vs 2). On price and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Pennies sells 16 in-app purchases, starting at $1.99 per month. Wallet asks for nothing beyond the download.

UpkeepUpdate frequency

Pennies ships an update every 6 days, Wallet every 3 weeks. The most recent releases landed on September 22, 2026 and September 14, 2026 respectively.

Scorecard4 real differences · 6 level
Pennies versus Wallet: the parameters behind the verdict, then further details
ParameterPenniesWallet
PriceFreeFree
Rating4.6 (1.8K ratings) — better
Positive reviews72.3% of reviews
Number of ratings1.8K — better
Update frequencyEvery 6 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size87 MB38 MB
Age rating4+4+
DeveloperThe App Shop, Inc.Neel Thummar

Bugs and requests

Pennies

Reported bugs

4 issues
  • App crashes when trying to edit or delete budgets
  • Complication not available on newer Apple Watch faces
  • Syncing issues causing data loss or inconsistencies
  • Expenses not properly tracking across time zones

Requested features

5 requests
  • Add recurring expenses/bills
  • Implement fortnightly budget option
  • Introduce customizable categories and tags
  • Add graphs and data visualization
  • Enable budget sharing between devices/users

Wallet

Not enough reviews yet to summarise bugs or requests.

In-app purchases

16 purchases

Pennies

Subscriptions11
  • Pennies Monthly Subscription7 Days trial$1.991 Month
  • Pennies Monthly Subscription7 Days trial$2.991 Month
  • Pennies Monthly Subscription7 Days trial$3.991 Month
Show 8 more
  • Pennies Monthly Subscription7 Days trial$4.991 Month
  • Pennies Annual Subscription1 Year trial$19.991 Year
  • Pennies Annual Subscription7 Days trial$19.991 Year
  • Pennies Annual Subscription7 Days trial$29.991 Year
  • Pennies Annual Subscription1 Year trial$29.991 Year
  • Pennies Annual Subscription1 Year trial$39.991 Year
  • Pennies Annual Subscription7 Days trial$39.991 Year
  • Pennies Annual Subscription7 Days trial$49.991 Year
One-time5
  • TipJar - Generous Tip$1.99
  • TipJar - Awesome Tip$4.99
  • TipJar - Superhero Tip$9.99
Show 2 more
  • Pennies Premium Lifetime$49.99
  • Pennies Premium Lifetime$99.99
None

Wallet

No in-app purchases

Questions

Is Pennies free?
Pennies is free to download, with in-app purchases available.
Is Wallet free?
Wallet is free to download, with no in-app purchases.
Do Pennies or Wallet have ads?
Pennies shows ads; Wallet does not.
Which is updated more often, Pennies or Wallet?
Pennies ships an update every 6 days, and Wallet every 3 weeks. Most recently, Pennies was updated on September 22, 2026 and Wallet on September 14, 2026.

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