Kotluy vs Submoney

Kotluy provides a SaaS All-in-one Financial Management Platform allowing Individuals and Micro-businesses to learning Financial literacy, set financial goals, properly budget, and track their financial transactions to permit them to make more informed financial decisions.

Surprise charges, a trial you forgot to cancel, a yearly renewal that empties your account in March. Submoney shows you exactly how much to keep in the bank today to cover everything that's coming. KNOW YOUR NUMBER Add your subscriptions, recurring payments and bills once. Submoney works out, day by day, the balance you need to cover every charge before it lands. SET IT ASIDE Tell Submoney what you've put aside on each card or account. It goes down as each payment is logged, so you always know if you're covered. NOTHING SNEAKS UP A payment calendar, reminders before every charge, and trials that alert you before they turn into a subscription. CUT WHAT YOU DON'T USE Every few months, Submoney asks you to go through your subscriptions one at a time: keep or cancel. The ones you drop wait on a Cancel list, still counted as charging, until you've cancelled them with the provider. FITS REAL LIFE • Variable payments like fuel or groceries, estimated from what you actually paid • Bills with a fixed date that you mark as paid • Pause a subscription until a date, and it resumes on its own • Split costs with others, and prices in any currency • Every price change kept in a history • Home screen widgets with your balance and next payments PRIVATE BY DESIGN No sign-up, no bank connection. Your data stays on your phone. FREE, WITH A ONE-TIME PLUS Track up to 15 items for free, with reminders, calendar and widgets. Submoney Plus is a single payment, not a subscription: unlimited items, full analytics and insights, price history, and export and backup. Made by one independent developer.