# Pennyworth vs SHIN理想記帳

The clearest difference is in-app purchases: SHIN理想記帳 at none against Pennyworth's 3. SHIN理想記帳 also leads on ads (none vs shown) and iOS requirement (13.2 vs 15.0). Pennyworth's advantage is ratings volume (1.3K vs 5) and update cadence (weekly vs every 3 weeks). On price, rating and device support there is nothing between them.

Both are free to download. Pennyworth sells 3 one-off in-app purchases. SHIN理想記帳 asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Pennyworth against 4.8 for SHIN理想記帳. That said, the two scores are not equally well evidenced: Pennyworth has 1.3K ratings behind it against 5, so its average is the more settled of the two.

Pennyworth ships an update weekly, SHIN理想記帳 every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Pennyworth | SHIN理想記帳 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews) | [4.8 (5 ratings)](https://appshunter.io/ios/app/shin/id1616469322/reviews) |
| Number of ratings | **1.3K** | 5 |
| Positive reviews | 92.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 67 MB | 98 MB |
| Requires iOS | 15.0 | **13.2** |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Jack Xuan](https://appshunter.io/developer/943334381) | [KINGWAY MEDIA CO., LTD.](https://appshunter.io/developer/1861368921) |

## What reviewers say

### Pennyworth

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

Easily track income and expenses, create budgets, and manage multiple financial accounts. Offers features like stock portfolio tracking, credit card management, and multi-currency support. Secure your data with privacy lock and sync across devices.

**Highlights:** Fast expense tracking, Multiple financial books, iCloud sync and sharing, Budgeting and planning tools, Stock portfolio tracking, Credit card management, Multi-currency support, Receipt and invoice capture

**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


### SHIN理想記帳

[App page](https://appshunter.io/ios/app/shin/id1616469322)

This finance app helps users manage their money through a unique proportional budgeting method, allowing them to allocate income into living, investment, and savings accounts. It also categorizes spending as 'wants' or 'needs' to promote smarter financial decisions and provides detailed reports.

**Highlights:** Proportional budgeting method, Allocate income to living, investment, savings, Categorize spending as 'wants' or 'needs', Consumption analysis reports, Cloud automatic data upload, Customizable category icons, Daily journaling reminders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pennyworth free?

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

### Is SHIN理想記帳 free?

SHIN理想記帳 is free to download, with no in-app purchases.

### Which has better reviews, Pennyworth or SHIN理想記帳?

Pennyworth and SHIN理想記帳 are both rated 4.8 out of 5 on the App Store, from 1.3K and 5 ratings respectively.

### Do Pennyworth or SHIN理想記帳 have ads?

Pennyworth shows ads; SHIN理想記帳 does not.

### Which is updated more often, Pennyworth or SHIN理想記帳?

Pennyworth ships an update weekly, and SHIN理想記帳 every 3 weeks. Most recently, Pennyworth was updated on November 1, 2026 and SHIN理想記帳 on November 3, 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.*