Pennies vs Risewell
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pennies
This app helps you manage your spending and save money by providing clear daily spending limits. It offers flexible budgeting options and syncs across your Apple devices. It's designed for everyday people to make personal finance simple and easy.
- Daily spending limit calculation
- Flexible budget periods
- iCloud syncing across devices
- Unlimited budget creation
- Edit past expenses
- Multi-currency support
- Transfer money between budgets
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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
Risewell
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Risewell Debt Planner is a calm, private debt tracker and payoff planner for bills, loans, credit cards, subscriptions and collection agreements. Add each balance, plan your monthly budget and see what is left, what you have already paid and what needs attention next. Log payments quickly, set reminders before due dates and follow your own tracking plan. Built for everyday debt and bill management: - Track balances, original amounts, minimum payments and due dates for debts, loans and credit cards - Log payments and watch the remaining balance update instantly - Build a self-directed tracking plan from your current balances, income, expenses and monthly budget - Manage essential expenses and see available money for repayment - Split available budget across active debts evenly or by custom percentages - Track subscriptions, renewal dates, payment methods and upcoming bills - Store collection agreement notes, references and documents privately - Get local reminders before payments are due - Use iCloud sync across your Apple devices - Add Home Screen widgets for debt progress and next payment - Lock the app with Face ID, Touch ID, Optic ID or device passcode - Choose your default currency, with per-balance currency support Risewell is designed to feel calm and practical: no bank connection, no ads, no public sharing and no complicated setup. Your finance information stays on your device and, if enabled, syncs through your private iCloud account. Risewell does not make payments, connect to bank accounts or provide financial advice. It is a planning and tracking tool to help you understand your balances and stay consistent. Rise well tomorrow knowing you have it under control.
Screenshots
Verdict
The clearest difference is in-app purchases: Risewell at none against Pennies's 10. Risewell also leads on ads (none vs shown) and update cadence (every 3 days vs every 2 weeks). Pennies's advantage is device support (4 vs 2) and iOS requirement (15.0 vs 17.6). On price 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. Pennies sells 10 in-app purchases, starting at $1.99 per month. Risewell asks for nothing beyond the download.
Pennies ships an update every 2 weeks, Risewell every 3 days. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.
| Parameter | Pennies | Risewell |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.8K ratings) — better | — |
| Positive reviews | 72.2% of reviews | — |
| Number of ratings | 1.8K — better | — |
| Update frequency | Every 2 weeks | Every 3 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 95 MB | 11 MB |
| Age rating | 4+ | 17+ |
| Developer | The App Shop, Inc. | MARITIME MASTER LIMITED |
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
Risewell
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Pennies
- 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 4 moreShow fewer
- Pennies Annual Subscription7 Days trial$19.991 Year
- Pennies Annual Subscription7 Days trial$29.991 Year
- Pennies Annual Subscription7 Days trial$39.991 Year
- Pennies Annual Subscription7 Days trial$49.991 Year
- TipJar - Generous Tip$1.99
- TipJar - Awesome Tip$4.99
- TipJar - Superhero Tip$9.99
Risewell
No in-app purchases









