# Pennyworth vs MOZE

The clearest difference is ads: MOZE at none against Pennyworth's shown. Pennyworth's advantage is rating (4.8 vs 4.5) and ratings volume (1.3K vs 67). On price, review sentiment, update cadence and in-app purchases there is nothing between them.

Both are free to download. Pennyworth sells 3 one-off in-app purchases and MOZE sells 12 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Pennyworth holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 67, so its average is the more settled of the two. Written reviews point the same way: 92% of Pennyworth's written reviews are positive against 87% of MOZE's.

Pennyworth ships an update every 5 days, MOZE weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Pennyworth | MOZE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews)** | [4.5 (67 ratings)](https://appshunter.io/ios/app/moze/id1460011387/reviews) |
| Number of ratings | **1.3K** | 67 |
| Positive reviews | **92.0% of reviews** | 86.6% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 5 days** | Weekly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 65 MB | 216 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 17+ |
| Developer | [Jack Xuan](https://appshunter.io/developer/943334381) | [MOZE Co., Ltd.](https://appshunter.io/developer/934668222) |

## What reviewers say

### Pennyworth

[App page](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283)

Manage your finances, track spending, and create budgets with this powerful personal finance app. It offers detailed reports, charts, and tools for managing assets, investments, and credit cards. Securely store and analyze your financial data with iCloud sync and customizable options.

**Highlights:** Fast, intuitive expense tracking, Multiple financial books, iCloud sync and sharing, Smart tags for analysis, Advanced reports and charts, All-in-one asset management, Stock portfolio tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| cloud book - sync and share | $2.99 | one-time |
| Stock Management | $2.99 | one-time |
| remove ads | $3.99 | one-time |

**What reviewers like**

- 👍 User-friendly app
- 🚀 Simple and intuitive interface
- 💡 Helpful budgeting and expense tracking features
- 🚀 Efficient data management
- 👍 Customizable categories and reports

**What reviewers complain about**

- 🐛 Recurring transaction issues causing duplicate entries
- 🔍 Lack of search functionality
- 📤 Difficulty exporting data
- 🔒 Concerns about data security and syncing between devices

**Reported bugs**

- Inconsistent data display (e.g., showing rounded numbers instead of actual amounts)
- Inability to add account balances
- Disappearance of user data after app updates

**Requested features**

- Add custom repeat option for recurring payments
- Implement a 'Are you sure?' prompt before deleting transactions
- Improve image quality and restoration for uploaded receipts
- Introduce a 'Paid' mark for scheduled transactions
- Expand budgeting features with more granular controls


### MOZE

[App page](https://appshunter.io/ios/app/moze/id1460011387)

Effortlessly track your income and expenses with this powerful financial management app. It offers multi-account support, budget planning, detailed reports, and even cryptocurrency tracking. Regain control of your finances with a beautiful and intuitive interface.

**Highlights:** Multi-account and cross-currency bookkeeping, Budget planning and project grouping, Detailed statistical and comparison reports, Credit card management and rewards tracking, Cryptocurrency tracking, Taiwan E-invoice integration, Customizable categories and themes

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

**In-app purchases (12)**

| Purchase | Price | Billing |
| --- | --- | --- |
| MOZE MONTHLY PREMIUM PLAN | $1.99 | per month |
| MOZE YEARLY PREMIUM PLAN | $19.99 | per year |
| TW Account Icon Set 1 | Free | one-time |
| TW Account Icon Set 2 | Free | one-time |
| CN Account Icon Set 1 | Free | one-time |
| CN Account Icon Set 2 | Free | one-time |
| CN Account Icon Set 4 | Free | one-time |
| CN Account Icon Set 3 | Free | one-time |
| TW Account Icon Set 4 | Free | one-time |
| TW Account Icon Set 3 | Free | one-time |
| HK Account Icon Set 1 | Free | one-time |
| TW Account Icon Set 5 | Free | one-time |


## Frequently asked questions

### Is Pennyworth free?

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

### Is MOZE free?

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

### Which has better reviews, Pennyworth or MOZE?

Pennyworth is rated higher. Pennyworth averages 4.8 out of 5 from 1.3K ratings, while MOZE averages 4.5 from 67 ratings.

### Do Pennyworth or MOZE have ads?

Pennyworth shows ads; MOZE does not.

### Which is updated more often, Pennyworth or MOZE?

Pennyworth ships an update every 5 days, and MOZE weekly. Most recently, Pennyworth was updated on October 24, 2026 and MOZE on October 25, 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.*