Pennyworth vs CommonCard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pennyworth
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.
- 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
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Pennyworth is a simple, flexible personal finance app that helps you understand where your money goes, plan ahead, and manage different parts of your financial life in one place. Log income and expenses in seconds, create budgets, manage multiple books, track assets and credit cards, follow your stock portfolio, and share books with family or trusted partners. Start for free and build a money-tracking habit that works for you. --- Main Features --- Fast Expense Tracking A clean, intuitive interface makes it easy to record income and expenses in just a few taps. Multiple Books Keep your personal, family, and business finances separate with different books for different needs. iCloud Sync & Sharing Sync books across compatible Apple devices with the same Apple ID. Share selected books with family members, partners, or friends for collaborative money management. Budgets & Financial Planning Create budgets, monitor spending, and stay on top of where your money is going before it gets out of control. Calendar View See daily income, expenses, and balances at a glance, so you can quickly understand your spending patterns. Reports & Charts Use clear visual reports to review spending by category, track trends, compare income and expenses, and understand your overall financial situation. Smart Tags Add multiple tags such as Travel, Tax, Business, or Family to organize transactions across categories and analyze your data in flexible ways. All-in-One Asset Management Track cash, bank accounts, credit cards, loans, investments, and other assets. Use transfers to record ATM withdrawals, credit card payments, e-money top-ups, and account movements. Stock Portfolio Tracking Log buys, sells, and dividends to manage your holdings. Track portfolio value, review gains and losses, and keep asset values updated with automatic daily stock price updates. Credit Card Tools Manage credit card balances, payment due dates, installments, autopay, and upcoming payment amounts. 130+ Currencies Manage foreign-currency accounts with automatic exchange-rate updates. Recurring Transactions Set up recurring items such as salary, rent, subscriptions, or regular bills to save time. Receipt & Invoice Capture Attach receipts and invoices to keep expense details organized, searchable, and easy to review. Customizable Setup Customize accounts, categories, members, color themes, and books to match the way you manage money. Data Export & Backup Export your data to CSV whenever you need it. Use iCloud backup and sync to help keep your records safe across devices. Privacy Lock Protect your financial data with Face ID, Touch ID, or pattern lock. Local-First by Design Your records are saved on your device first, so you can view and edit your data even when offline. Your Money, Your Records Pennyworth is designed to help you stay in control of your financial records, with flexible tools for tracking, planning, sharing, and reviewing your money. ================ Contact Us ================ Email: swalloworks@gmail.com X / Twitter: https://twitter.com/swalloworks Facebook: https://www.facebook.com/tiantianjizhang
CommonCard
This finance app helps couples manage shared expenses and track individual responsibilities. Link bank accounts, categorize spending, and visualize your financial contributions together in real-time.
- Link bank accounts securely
- Track and assign shared expenses
- Categorize transactions easily
- View individual financial responsibility
- Customize split ratios
- Real-time financial data for partners
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Finally, a budget app built for two. CommonCard helps couples track shared expenses without the spreadsheets, IOUs, or awkward settling up. Link your bank accounts, categorize transactions, and see exactly what each partner is responsible for — by account, by month. KEY FEATURES - Link bank accounts and credit cards securely - Track transactions and assign responsibility — shared, yours, or theirs - Categorize expenses with one tap - See your share by account — no settling up needed - View spending insights with charts comparing month to month - Invite your partner to share and manage finances together - Customize your split ratio — 50/50, 60/40, or any percentage BUILT FOR COUPLES Whether you split evenly or not, CommonCard shows each partner their share automatically. No more "who owes who" conversations. Both partners see the same data in real-time. PRIVACY & SECURITY Your bank connections are secured through Plaid, the industry-leading platform trusted by millions. We never see or store your bank login credentials. ——— Questions or feedback? support@commoncardapp.com ——— Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is ratings volume: Pennyworth at 1.3K against CommonCard's 4. Pennyworth also leads on update cadence (weekly vs monthly) and device support (3 vs 1). CommonCard's advantage is rating (5.0 vs 4.8) and review sentiment (100% vs 92%). On price, ads, in-app purchases and monetization model 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. Pennyworth sells 3 one-off in-app purchases and CommonCard sells 1 in-app purchase, starting at $49.99 per year. Whichever you choose, the download price is not the number that matters.
CommonCard holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 4, 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 100% of CommonCard's.
Pennyworth ships an update weekly, CommonCard monthly. The most recent releases landed on October 29, 2026 and October 19, 2026 respectively.
| Parameter | Pennyworth | CommonCard |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.3K ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 92.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.3K — better | 4 |
| Update frequency | Weekly — better | Monthly |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod, Apple Watch — better | iPhone |
| Requires iOS | 15.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 67 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Jack Xuan | Justin Hwa & Associates, LLC |
Customer experience
Pennyworth
CommonCard
Bugs and requests
Pennyworth
Reported bugs
3 issues- 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
6 requests- 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
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- Add support for more bank/financial institution icons
CommonCard
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Pennyworth
- cloud book - sync and share$2.99
- Stock Management$2.99
- remove ads$3.99
CommonCard
- CommonCard Premium$49.991 Year
Questions
Is Pennyworth free?
Is CommonCard free?
Which has better reviews, Pennyworth or CommonCard?
Do Pennyworth or CommonCard have ads?
Which is updated more often, Pennyworth or CommonCard?
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