Pennies: Budget & Bill Tracker
72
Quality Score
Strong
Pennies: Budget & Bill Tracker
by The App Shop, Inc.
Medium confidence
✍️ Bumetric analysis
“
Pennies: Budget & Bill Tracker is an iOS app from The App Shop, Inc. in the Finance category, currently rated 4.6★ across 1,780 ratings. Initial signal reads as largely positive sentiment, users highlighting consistency and feature depth.
Quality Score is 72: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$6.3K
per month
→
12-mo forecast
$6.5K – $13.5K
per month
→
24-mo forecast
$8.0K – $24.0K
per month
MID tierFREE
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
159 snapshots on record
Rating
4.6
Reviews
1,780 reviews
Forecast Revenue / mo
$6.3K
Snapshots tracked
159
since Mar 2016
ONE-TIME · BUILD
💰 Estimated build cost
$175K
↳ What it cost to build · not monthly revenue
Likely range $130K – $235K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~2.3y at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (87 MB) | +$14K |
| ⚙ Finance complexity ×1.60 | +$39K |
| ⚙ 12.0y maintenance × ~1-person team | +$71K |
Total estimate
$175K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$150K
↳ What it would sell for · not monthly revenue
Marketplace range $100K – $175K · 22× MRR multiple
💸
~0.9× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 12.0y proven track record | +20% |
| ⭐ ★ rating ≥ 4.4 (solid) | +8% |
| 🏷 Finance category multiple | +15% |
Final multiple
22× MRR
👥 Estimated audience size
74K
Lifetime downloads (US-equivalent)
Monthly active
8.3K
Daily active
3.3K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 12.0y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 87 MB |
| 🏷 Category context | Finance |
| 📦 Mid-large iOS bundle | → Likely native Swift / UIKit (pre-2020 era) |
💀 Maintenance status
Active
5%
Last shipped 2026-08-31 · 26 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 26 days since last update | Active development |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$6.3K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
Direction
Headwinds: review-mined risks present
6 months
$5.9K – $9.9K
12 months
$6.5K – $13.5K
24 months
$8.0K – $24.0K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Stalled · 40/100MID TIERFREE (NO MONETIZATION)no growth momentumGrowth Velocity
5.0
Founder Strength
5.1
Product Quality
6.7
Revenue Strength
3.8
Monetization Maturity
0.5
Defensibility
4.5
Market Position
2.0
Operational Safety
4.0
- 💰 Revenue: Modest — $4K - $9K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.57★ across 1,780 reviews — solid.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Elevated — bug mentions above category norm, rating drift -1.87 ★ (recent 50 vs lifetime).
🎯 For competitors: Vulnerable. Quality drift + slow updates create a clear opening for a fresh competitor with active dev cadence.
💵 For acquirers: Estimated asking range 12-22× monthly = $75K-$137K. Portfolio play ($12K/mo combined) commands premium. Discount applied for operational risk..
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 12 of 12 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Paid app ($0.00)METRIC | +$2,800 | |
| Excellent rating (4.6★)METRIC | +$2,200 | |
| worth every pennyREVIEW | +$2,000 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| Low install base (1,780 ratings)METRIC | +$1,500 | |
| Mature app (11y old)METRIC | +$1,500 | |
| Multilingual (12 languages)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v6.4.14
This update is all about reliability:
• Fixed rare cases where entries could disappear during iCloud sync and totals drifted
• New option: Green Until Overspent — budgets stay green until the period budget is actually spent (see Settings)… Full release notes →
• Fixed rare cases where entries could disappear during iCloud sync and totals drifted
• New option: Green Until Overspent — budgets stay green until the period budget is actually spent (see Settings)… Full release notes →
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Pennies: Budget & Bill Tracker
- Developer
- The App Shop, Inc.
- Bundle ID
- com.magneticzero.pennies
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- AR, EN, FR, DE, IT, JA, KO, PT, RU, ZH, ES, ZH
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $6.3K/mo
- Top-grossing rank
- 🇨🇦#99 /100
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth1,810 ratings+266% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🗺️Geographic Distribution1 of 9 markets
🇨🇦
CA
Top-grossing rank: #99 / 100
Other markets
Outside top 100
in US, GB, DE, FR, JP, CA, AU, BR, IN
in US, GB, DE, FR, JP, CA, AU, BR, IN
This app currently ranks in only one of the 9 markets we monitor. Niche or regional apps often launch this way before global rollout. Rankings update daily.
📊Category Rank Trajectory#99 now · best #99 · worst #100
Lower line = better rank · Estimate from ratings growth model · Lower position on chart = worse rank · Higher = top of chart
🚀Update Frequency · Releases per Quarter2 releases tracked
🚀Version Release Timeline2 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.
••• Read the reviews and see what people are saying •••
"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"
••• MAIN FEATURES •••
> HELPS YOU KNOW HOW MUCH TO SPEND… View full description on the official store →
••• Read the reviews and see what people are saying •••
"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"
••• MAIN FEATURES •••
> HELPS YOU KNOW HOW MUCH TO SPEND… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 87 MB🔞 4+📱 iOS 15.0+🔖 v6.4.14🔄 updated 3w ago🌐 AR, EN, FR, DE, IT +7📂 Finance💰 Paid🚀 Launched 2014 (11y old)
📅
What Worked™ · Development Pipeline
15 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-08
🔧
Shipped update — v6.4.13 → v6.4.14
→ 30 days after: reviews +5 high confidence
2026-05
🔄
Monetization changed: paid → free
→ 30 days after: reviews +10 high confidence
2026-03
⭐
Rating ↑ 4.18 → 4.50 (improved 0.32★)
2026-03
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
2026-01
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$7.4K/mo · rating +0.32★ · reviews +642 high confidence
2016-12
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$130/mo · rating −0.05★ · reviews +12 high confidence
2016-07
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$184/mo · rating +0.10★ · reviews +16 high confidence
2016-07
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$448/mo · rating +0.36★ · reviews +39 high confidence
2016-05
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$243/mo · rating +0.19★ · reviews +22 high confidence
2016-05
⭐
Rating ↑ 2.80 → 3.90 (improved 1.10★)
→ 30 days after: revenue +$243/mo · rating +0.19★ · reviews +22 high confidence
2016-05
⭐
Rating ↑ 2.80 → 3.17 (improved 0.37★)
→ 30 days after: revenue +$58/mo · rating +1.10★ · reviews +5 high confidence
2016-04
⭐
Rating ↓ 5.00 → 2.80 (dropped 2.20★)
→ 30 days after: revenue +$58/mo · rating +1.10★ · reviews +5 medium · co-occurring
2016-04
⭐
Rating ↓ 3.67 → 3.00 (dropped 0.67★)
→ 30 days after: revenue +$96/mo · rating −1.10★ · reviews +9 medium · co-occurring
2016-04
⭐
Rating ↓ 5.00 → 3.67 (dropped 1.33★)
→ 30 days after: revenue +$96/mo · rating −1.10★ · reviews +9 medium · co-occurring
2016-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −2.20★ high confidence
🔎
ASO Keyword Positions
BEST RANK #21Ranked for 1 App Store search query in our last keyword sweep. Lower position = closer to the top.
budget tracker·#21🇺🇸
Last sweep: 2026-05-19 · iTunes Search API
🗣
Voice of Customer
Based on 713 reviews across 8 markets● 78% positive · ● 8% neutral · ● 13% negative · Rating drift: -1.87★ (declining — recent 50: 2.7★ vs lifetime: 4.57★)
VADER compound sentiment per quarter (−1 = fully negative, +1 = fully positive). Each point ≥ 5 reviews.
Sentiment by country (−1 to +1)
🇺🇸 US
+0.66
🇦🇺 AU
+0.57
🇮🇳 IN
+0.55
🇨🇦 CA
+0.54
🇬🇧 GB
+0.44
🇧🇷 BR
+0.33
🇯🇵 JP
+0.13
🇩🇪 DE
+0.08
Top praise themes
simple easy ×32 keep track ×32 track spending ×27 it's simple ×18 apple watch ×17 bank account ×15 highly recommend ×12 simple effective ×12
Top complaint themes
doesn work ×9 apple watch ×9 waste money ×7 please fix ×5 bank account ×4 being able ×3 stopped working ×3 ios updates ×3
Risk signals
Refund mentions: 1.7% Bug mentions: 6%
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.3464★ | 153 | 4.3464★ this version |
| 🇧🇷 BR | 4.48★ | 25 | 4.48★ this version |
| 🇨🇦 CA | 4.23101★ | 316 | 4.23101★ this version |
| 🇩🇪 DE | 4.48634★ | 549 | 4.48634★ this version |
| 🇫🇷 FR | 4.34973★ | 183 | 4.34973★ this version |
| 🇬🇧 GB | 4.50854★ | 1,170 | 4.50854★ this version |
| 🇮🇳 IN | 4.57778★ | 45 | 4.57778★ this version |
| 🇯🇵 JP | 4.58436★ | 243 | 4.58436★ this version |
| 🇺🇸 US | 4.56867★ | 1,813 | 4.56867★ this version |
🔔
Track this app’s revenue
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Pennies: Budget & Bill Tracker: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why medium confidence: 1,780 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does Pennies make per month?▴
Based on our ML-calibrated revenue forecast, Pennies earns approximately $6.3K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is Pennies profitable?▴
With estimated build cost $175K and monthly revenue $6.3K, Pennies looks break-even-grade — payback period sits around 2.3 years. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does Pennies have?▴
Estimated audience: ~74K lifetime downloads, ~8K monthly active users, and ~3K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Pennies?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Pennies built with?▴
Our heuristic places Pennies on the Native iOS (Swift / UIKit) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is Pennies still actively maintained?▴
Maintenance status: Active (5% abandonment risk). Last shipped version was 26 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would Pennies sell for?▴
Estimated acquisition value: $150K (marketplace range $100K – $175K). Calculated as 22× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was Pennies last updated?▴
Pennies last shipped a new version on 2026-08-31 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Pennies?▴
Pennies is published by The App Shop, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Pennies's BU Score?▴
Pennies has a BU Score of 72/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.