Pennies vs Cryptohopper
Side-by-side comparison of features, pricing, and ratings
At a glance
| Dimension | Pennies | Cryptohopper |
|---|---|---|
| Platform | iOS (iPhone, iPad, Apple Watch) | Cloud web, iOS & Android apps |
| Core Focus | Simple visual budgeting | Automated crypto trading |
| Key Differentiator | Daily rollover targets, color-coded health, no account needed | AI trading, copy trading, strategy designer with 130+ indicators |
| Integrations | iCloud sync, Apple Watch | 11 exchanges + Zapier |
| Best For | Apple users wanting simple offline budgeting | Crypto traders seeking automation and social signals |
Pennies is a one-time-purchase daily spending tracker and budgeting app built for iPhone, iPad and Apple Watch.
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Cryptohopper is a cloud crypto trading bot for automated trading, Copy Bot social trading, and MCP-powered AI agents.
Visit WebsiteWhat real users say: Pennies vs Cryptohopper
Not marketing copy and not our opinion — a structured sweep of public discussion (reviews, forums, communities and video comments), showing what people praise and what they complain about for each tool.
Pennies
88 mentions across 6 sources · 22% positive — critical (averaged across 6 sources)
Hacker News, YouTube, Product Hunt, App Store, Stack Overflow, Lemmy
What users praise
- • Incredibly simple to use, with a clean, intuitive interface.
- • One-time purchase—no subscription, unlike YNAB or Copilot.
- • Daily spending targets that adjust based on your behavior (spend less, get more).
- • Apple Watch app lets you quickly check budgets on your wrist.
What frustrates them
- • Manual entry only—no bank sync or automatic transaction import.
- • No charts or detailed analytics to visualize spending trends.
- • Apple Watch only shows the first budget, not user-selected.
- • Recent update changed weekly rollover setup, causing confusion.
Researched Aug 28, 2026
Cryptohopper
44 mentions across 3 sources · 44% positive — mixed (weighted across 3 sources)
YouTube, Product Hunt, App Store
What users praise
- • Cloud-hosted, so bots trade 24/7 across exchanges without your machine staying on
- • Copy Bot and the strategy Marketplace let beginners skip coding entirely
- • Paper trading with real data is a genuinely useful sandbox before risking capital
- • No-code Strategy Designer with indicators opens the door for non-programmers
What frustrates them
- • API connections to major exchanges fail for multiple experienced reviewers after following steps correctly
- • Mobile app reported to crash and to give incorrect PnL percentages
- • Verification code flow on the app is broken according to several 2024-2026 reviews
- • Support AI couldn't resolve basic connection issues after hours of back-and-forth
Researched Sep 29, 2026
Who should pick which
- Solo founder tracking personal expensesPick: Pennies
Cheap, one-time purchase, no account needed, works offline, and gives daily spending targets with visual feedback.
- Crypto enthusiast wanting to automate tradesPick: Cryptohopper
Offers AI trading, copy trading, DCA, backtesting, and strategy designer with 130+ indicators across major exchanges.
- Budgeting beginner with only Apple devicesPick: Pennies
Simple, no charts, no categories, color-coded health, and syncs across iPhone, iPad, and Apple Watch.
- Advanced trader needing multi-exchange portfolio managementPick: Cryptohopper
Supports 11 exchanges, trading terminal, portfolio bot, and market making tools.
- Developer integrating AI with live crypto dataPick: Cryptohopper
Recent MCP server allows AI/LLM integration via n8n, Zapier, and Make for no-code crypto AI workflows.
Frequently Asked Questions
Is Pennies free?
No, it's a one-time purchase of $6.99. No subscription required.
Does Cryptohopper have a free plan?
No, it offers a 3-day free trial, then starts at $24.16/month for the Explorer plan.
Can I use Pennies on Android?
No, Pennies is exclusively for iPhone, iPad, and Apple Watch.
Does Cryptohopper support spot trading?
Yes, it supports spot trading across major exchanges like Binance, Coinbase Pro, and Kraken.
Does Pennies sync with my bank?
No, it does not have bank account integration or automatic transaction import.
Can I copy other traders on Cryptohopper?
Yes, via the Copy Bot feature you can one-on-one copy experienced traders.
Is Pennies online-only?
No, it works offline-first and does not require account creation.
Does Cryptohopper have a paper trading mode?
Yes, it offers paper trading with real-time data to test strategies without risk.
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Last reviewed: July 9, 2026