# Pennyworth vs UnityPay

The clearest difference is ads: UnityPay at none against Pennyworth's shown. UnityPay also leads on rating (5.0 vs 4.8) and update cadence (every 3 days vs weekly). Pennyworth's advantage is ratings volume (1.3K vs 4). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Pennyworth sells 3 one-off in-app purchases and UnityPay sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UnityPay 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.

Pennyworth ships an update weekly, UnityPay every 3 days. Both last shipped on November 12, 2026.

## The numbers

| Metric | Pennyworth | UnityPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/unitypay-couples-expenses/id6482982417/reviews)** |
| Number of ratings | **1.3K** | 4 |
| Positive reviews | 92.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 74 MB | 163 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Jack Xuan](https://appshunter.io/developer/943334381) | [William Belle LLC](https://appshunter.io/developer/1739508356) |

## What reviewers say

### Pennyworth

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

This personal finance app helps you understand your spending, plan budgets, and manage various financial aspects in one place. Log income and expenses, track assets, and share financial books with trusted individuals.

**Highlights:** Fast expense tracking, Multiple financial books, iCloud sync and sharing, Budgeting and planning tools, Asset and stock portfolio tracking, Credit card management, Receipt and invoice capture

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


### UnityPay

[App page](https://appshunter.io/ios/app/unitypay-couples-expenses/id6482982417)

This app helps couples manage shared finances fairly by calculating each partner's contribution based on custom rules, not just a 50/50 split. It allows for income-based, custom proportion, or one-partner-covers splits for different expense categories. Settle up easily with integrated payment options.

**Highlights:** Customizable split rules (income-based, custom proportion, one covers), Category-level split rule setting, Automatic bank transaction import, Direct settlement via Venmo, PayPal, Cash App, Zelle, In-app chat for financial discussions, Detailed settlement breakdowns

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| UnityPay (Monthly) | $3.99 | per month |
| UnityPay (Yearly) | $44.99 | per year |


## Frequently asked questions

### Is Pennyworth free?

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

### Is UnityPay free?

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

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

UnityPay is rated higher. Pennyworth averages 4.8 out of 5 from 1.3K ratings, while UnityPay averages 5.0 from 4 ratings.

### Do Pennyworth or UnityPay have ads?

Pennyworth shows ads; UnityPay does not.

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

Pennyworth ships an update weekly, and UnityPay every 3 days. Most recently, Pennyworth was updated on November 12, 2026 and UnityPay on November 12, 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.*