Comparison

Pearler vs Substat

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pearler

This app simplifies investing for long-term financial independence. Discover your style with shares, LICs, and ETFs, or use template portfolios. Build wealth with automated investing and track your progress towards your goals.

Highlights
  • Share, LIC, and ETF investing
  • Low trading fees
  • Template portfolios
  • Set-and-forget Autoinvest
  • Financial goal tracking
  • Community insights
Features
Read full description

Build financial independence, no matter where you are on the investing journey. Pearler can help you get there – it’s investing made simple again. Pearler is a share trading app designed to help you invest smart to build financial independence. We don’t have all the answers (nobody does), but we’re on a mission to help you find your own. With the Pearler app, you can: • Discover your investing style through shares trading, LICs and ETF investing • Avoid hidden fees and simply pay low fees per trade • Choose assets to invest in or use a template portfolio to get you started • Build wealth while you sleep with a set-and-forget Autoinvest strategy • Track your progress towards financial independence or any other financial goal • Follow Finfluencers to learn and help you find your investing path Get rich slow – that’s the Pearler mantra. Real investing should be about going the distance. Investing should be boring. That’s why Pearler is built for long-term investors, not traders. No FOMO, no get-rich-quick stock tips, just insights from a community you can trust. With Pearler, you don’t do the journey alone. Plus, you can earn investment credits for referring your friends! Ready to build your wealth? Download the Pearler app for free and start your journey today. IMPORTANT THAT YOU READ The information is prepared by Pearler Investments Pty Ltd t/a Pearler (ABN 32 625 120 649) (Pearler) who is an authorised representative (AFS Representative No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927) (Sanlam). At Pearler, we strive to make investing for your long-term goals easier and fun but we only provide general information and/ or general advice. We have not taken into consideration any of your personal circumstances, objectives, financial situation or needs nor do we use your preferences or search history to tailor your user experience. Any information is of a general nature only and does not consider your personal circumstances, objectives, financial situation or needs. Before acting on the information, you should consider its appropriateness, having regard to your personal circumstances, objectives, financial situation and needs. You may also wish to consider seeking appropriate financial, taxation and/or legal advice. All investments carry risk. You may lose some or all of your money invested. Except as expressly disclosed otherwise, the performance of an investment or the repayment of capital is not guaranteed. Please view our Financial Services Guide (https://pearler.com/financial-services-guide) before deciding to use or invest on Pearler.

About

Substat

Read full description

Substat helps you take control of your subscriptions and recurring bills - so you're never caught off guard by an unexpected charge. Add any subscription in seconds. Choose from 100+ popular services including Netflix, Spotify, Adobe, ChatGPT, and more - or add your own. Substat pre-fills the icon, colour, and category so your dashboard always looks great. KNOW WHAT YOU'RE SPENDING See your total monthly and yearly spend at a glance. Switch between list, card, and grid views. Filter and sort by category, price, renewal date, and more. NEVER MISS A RENEWAL Get notified before your subscriptions renew. Set reminders 1, 3, or 7 days in advance. Yearly subscriptions are opted in automatically - because those are the ones that catch you off guard. TRACK FREE TRIALS Add trials with an end date and get reminded before they convert to paid. See which trials have expired so you can decide whether to convert or cancel. BEAUTIFUL ANALYTICS See your spending broken down by category. Find your biggest subscriptions. Track lifetime spend per service. SUBSCRIPTION DETAILS Tap any subscription to see full details - renewal date, days remaining, monthly and yearly equivalent cost, lifetime spend, and your own notes. BUILT FOR AUSTRALIA Includes local services like Stan, Binge, Kayo Sports, Everyday Extra, Coles Plus, and more. Supports AUD and 15 other currencies. PRIVATE BY DEFAULT Everything stays on your device. No account required. No data ever leaves your phone. No ads, ever. SUBSTAT PRO Unlock the full Substat experience with a 14-day free trial. After your trial, continue with Pro for $2.99/month or $19.99/year. Cancel anytime. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pabloturzan.github.io/substat/

Screenshots

Pearler4 screens
Substat4 screens

Verdict

The call

The clearest difference is update cadence: Pearler at every 5 days against Substat's every 6 weeks. Pearler also leads on iOS requirement (16.4 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Pearler ships an update every 5 days, Substat every 6 weeks. The most recent releases landed on October 27, 2026 and October 12, 2026 respectively.

Scorecard2 real differences · 8 level
Pearler versus Substat: the parameters behind the verdict, then further details
ParameterPearlerSubstat
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews24.8% of reviews—
Number of ratings4 — better—
Update frequencyEvery 5 days — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better26.0
Further details — not scored
Size125 MB3 MB
Age rating4+4+
DeveloperPearler InvestmentsPablo Turzan

Bugs and requests

Pearler

Reported bugs

20 issues
  • Login failures and authentication errors
  • Buttons not responding or not clickable
  • App crashes during purchases and transactions
  • Verification email code input not working
  • Address field not accepting input
Show 15 more
  • File upload rejecting documents (too large or wrong format)
  • Blank screens when switching between apps
  • Password reset loop - multiple resets required
  • Face ID and biometric sign-in not working
  • App freezing on loading screens
  • Back button functionality broken
  • Text overlapping and pixelated graphics
  • Net wealth graph showing incorrect or broken data
  • Verification process rejecting correct information
  • Automatic investments not executing as scheduled
  • Incorrect capital growth calculations for US stocks
  • Cannot find sell functionality after UI updates
  • Account reactivation blocked by email already registered error
  • Chat support feature causing app crashes
  • Inactive buttons until screen is reset

Requested features

15 requests
  • Complete UI/UX overhaul with modern design
  • Dark mode option
  • Back button that returns to previous screen, not top level
  • Daily/YTD/annual returns data display
  • Ability to see stock price trends and daily changes
Show 10 more
  • Watch list for stocks not yet owned
  • Customizable dashboard with less information clutter
  • Native mobile app instead of web wrapper
  • Reduce frequency of mandatory updates
  • Better customer service and support options
  • Faster fund transfer and transaction processing
  • Ability to schedule ASX purchases for later dates
  • Better accessibility for vision-impaired users
  • Option to choose between old and new dashboard designs
  • Restore lifetime earnings display without paywall

Substat

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Pearler

No in-app purchases

None

Substat

No in-app purchases

Questions

Is Pearler free?
Pearler is free to download, with no in-app purchases.
Is Substat free?
Substat is free to download, with no in-app purchases.
Do Pearler or Substat have ads?
Neither Pearler nor Substat shows ads.
Which is updated more often, Pearler or Substat?
Pearler ships an update every 5 days, and Substat every 6 weeks. Most recently, Pearler was updated on October 27, 2026 and Substat on October 12, 2026.

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