Pennies vs SplitoMat
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
SplitoMat
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Split bills with anyone, fast — free, no ads, no limits. SplitoMat helps you track shared expenses with friends, roommates, partners, and travel groups — without the awkward "who paid for what" conversation at the end of the month. FREE, WITHOUT THE CATCH • No ads. No subscription. Add as many expenses and groups as you want — no daily limits, no cooldown timers. • Receipt scanning, multi-currency, itemized bills and expense search are all included — never locked behind a paywall. • A clean, native iPhone app — plus Apple Watch, Siri and home/lock-screen widgets. • Looking for a Splitwise or Tricount alternative? SplitoMat does the everyday splitting without paywalling the basics. WHY SPLITOMAT • Designed for the way real groups split money: roommates, trips, dinners, kids' activities. • Multi-currency: every group has its own currency; convert between them when needed. • Smart receipts: snap a photo, we read the total and suggest a category automatically. • Recurring expenses: rent, subscriptions and standing orders are added on schedule for the whole group. GROUPS THAT MAKE SENSE • Create a group for any context: apartment, trip, household, lunch club. • Invite friends with a single link — no accounts or phone numbers required to view. • Sign in with Apple or Google. Privacy-first. SPLIT THE WAY YOU WANT • Equal split between everyone selected. • By percentage — perfect for unequal rent or shared subscriptions. • By shares — kids count as fractions, friends bring +1, you decide. • Set a group's default split once (say 60/40 by income) and every new expense uses it automatically. GET PAID BACK • Save your Revolut, PayPal, Wise or Venmo handle and let friends tap to pay. • "Settle Up" records that a payment took place so balances stay accurate. • Suggested payments minimize the number of transfers across the whole group. ACTIVITY YOU CAN ACTUALLY READ • Activity feed shows what happened in every group you're in. • Per-group filters: by category, by member, by mine-only. • Search across expenses and notes. HOMESCREEN & LOCK-SCREEN WIDGETS • Small, Medium and Large widgets on the home screen. • Lock-screen widgets: glance at your balance without unlocking. PRIVACY THAT'S ON YOUR SIDE • Your data is stored in the EU (Frankfurt), under EU data-protection law. • No ad networks, no behavioral trackers — we never sell your data or train models on your expenses. • Optional Face ID / Touch ID lock keeps your balances private. • Receipt OCR runs on-device using Apple's Vision framework. EXPORT YOUR DATA • Tap Export to get a clean CSV or PDF of any group — for your records, your accountant, or your tax software. • Or export just your own share, ready to drop into your personal budget app. LOCALIZED • English, Russian, Ukrainian, German, Spanish. QUESTIONS OR FEEDBACK? Reach us anytime at splitomate@gmail.com — we read every message. Privacy Policy: https://andriigordiienko.github.io/SplitoMat.website/privacy.html Terms of Use: https://andriigordiienko.github.io/SplitoMat.website/terms.html
Screenshots
Verdict
The clearest difference is in-app purchases: SplitoMat at none against Pennies's 10. SplitoMat also leads on ads (none vs shown). Pennies's advantage is device support (4 vs 2) and iOS requirement (15.0 vs 18.0). On price and update cadence 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. SplitoMat asks for nothing beyond the download.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on November 11, 2026 and October 28, 2026 respectively.
| Parameter | Pennies | SplitoMat |
|---|---|---|
| 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 2 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, Apple Watch |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 94 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | The App Shop, Inc. | Azbit Software Ltd |
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
SplitoMat
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
SplitoMat
No in-app purchases









