# Pennies vs SplitoMat

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.

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.

## The numbers

| Metric | Pennies | SplitoMat |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.8K ratings)](https://appshunter.io/ios/app/pennies-budget-and-bill-tracker/id916741290/reviews)** | — |
| Number of ratings | **1.8K** | — |
| Positive reviews | 72.2% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 94 MB | 31 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [The App Shop, Inc.](https://appshunter.io/developer/1746511328) | [Azbit Software Ltd](https://appshunter.io/developer/1762798348) |

## What reviewers say

### Pennies

[App page](https://appshunter.io/ios/app/pennies-budget-and-bill-tracker/id916741290)

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.

**Highlights:** Daily spending limit calculation, Flexible budget periods, iCloud syncing across devices, Unlimited budget creation, Edit past expenses, Multi-currency support, Transfer money between budgets

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pennies Monthly Subscription | $1.99 | per month |
| Pennies Monthly Subscription | $2.99 | per month |
| Pennies Monthly Subscription | $3.99 | per month |
| Pennies Annual Subscription | $19.99 | per year |
| Pennies Annual Subscription | $29.99 | per year |
| Pennies Annual Subscription | $39.99 | per year |
| Pennies Annual Subscription | $49.99 | per year |
| TipJar - Generous Tip | $1.99 | one-time |
| TipJar - Awesome Tip | $4.99 | one-time |
| TipJar - Superhero Tip | $9.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 💡 Helpful for budgeting and tracking expenses
- 🚀 Clean and intuitive interface
- 🚀 Convenient Apple Watch integration
- 👍 Effective for managing variable spending

**What reviewers complain about**

- 🐛 Crashes and freezes
- 🐛 Syncing issues between devices
- 🐛 Laggy performance
- 💡 Lack of advanced features (e.g. reports, graphs)
- 💡 No option to share budgets with family members

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/splitomat-split-bills/id6775060546)

**Features:** macOS Compatibility, Apple Watch app

**In-app purchases:** none


## Frequently asked questions

### Is Pennies free?

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

### Is SplitoMat free?

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

### Do Pennies or SplitoMat have ads?

Pennies shows ads; SplitoMat does not.

### Which is updated more often, Pennies or SplitoMat?

Pennies ships an update every 2 weeks, and SplitoMat every 2 weeks. Most recently, Pennies was updated on November 11, 2026 and SplitoMat on October 28, 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.*