Pennyworth vs UnityPay

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

UnityPay is the only couples finance app built around one idea: what's fair shouldn't be a guess. Most expense apps split everything 50/50 and call it done. But if one partner earns more, or one always covers rent while the other buys groceries, 50/50 isn't fair. UnityPay fixes that. HOW IT WORKS Add shared expenses as they happen, or connect your bank to import transactions automatically. UnityPay calculates each partner's fair contribution based on the rules you set together, not a one-size-fits-all formula. THREE WAYS TO SPLIT - Income-Based: Each partner contributes proportionally to what they earn. If you make 60% of household income, you cover 60% of shared costs. Simple. - Custom Proportion: Agree on any split. 70/30, 55/45, whatever works for you. - One Covers: Assign specific categories entirely to one partner (rent, car payment, childcare). CATEGORY-LEVEL RULES This is what makes UnityPay different. Set a different split rule for each expense type. Groceries can be 50/50 while rent is income-based and the car payment is covered by one partner. Your finances, your rules. SEE EXACTLY WHY IT'S FAIR Every settlement comes with a full breakdown: incomes, fair shares, amounts already paid, and which rules applied. No black-box math. Both partners see the same numbers and understand why. SETTLE UP WITH ONE TAP When it's time to settle, send payment directly through Venmo, PayPal, Cash App, or copy the amount for Zelle. No switching apps, no mental math. MORE FEATURES - Bank sync: connect accounts to import transactions automatically - Recurring expenses: set monthly bills once and forget them - Custom categories: create expense types that match your household - In-app chat: discuss finances without leaving the app - Dashboard: contributions, spending charts, and settlement status at a glance BUILT FOR TRUST UnityPay uses collaborative language, not debt language. No one "owes" anyone. Partners contribute, share, and settle. Because money in a relationship should bring you closer, not create tension. Free to use. Premium unlocks category-level split rules for full customization and bank transactions. Terms of Use: https://www.freeprivacypolicy.com/live/3907c162-d263-4822-a01e-43bdf2ec45a9 Privacy Policy: https://www.freeprivacypolicy.com/live/76f0f58d-1cf7-4da4-a87d-09464fb755a8