Comparison

GLOSS Vault vs SubTracker

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

Head to head
About

GLOSS Vault

Features
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GLOSS Vault is a privacy first personal finance app. With industry leading zero-knowledge encryption, your data can be see by you and only you. Why would you want a personal finance aggregator? All your accounts, in one place. Automatically. The all-in-one, $0, automated personal finance tracker and budget planner designed for total clarity and complete privacy. Tired of fragmented bank apps, hidden fees, and annoying pop-up ads? GLOSS Vault brings your checking, savings, and investments together into one secure, beautifully streamlined dashboard. See exactly where your money goes, grow your savings, and build smarter financial habits effortlessly. How it Works GLOSS Vault automates syncing your bank accounts via Fiskil (fiskil.com) an Accredited Data Recipient under the Australian Consumer Data Rights (CDR) framework. Once data is connected through their network, it is privately encrypted directly on your device. You get privacy, without any compromise to convenience. Uncompromising Security & Privacy Your financial data belongs to you. GLOSS Vault uses top-tier encryption and world leading zero-knowledge privacy technology to ensure your personal information remains strictly confidential. Secure Cloud Backup: Access your financial data anytime, anywhere, knowing it is fully encrypted and safely backed up. Multi-Device Sync: Seamlessly transition between your phone, tablet, or desktop with real-time syncing. Unlike some competitors, we don't sell your data - we believe in this so much that we built the app so that we are UNABLE to sell your data. Powerful Features to Master Your Money: All-in-One Finance Tracking: Consolidate your cash, savings accounts, and investment portfolios in a single secure place. Always know your true net worth. Visual Budgeting & Smart Insights: Create custom budgets tailored to your lifestyle. Stay on track with clean, easy-to-read charts, graphs, and visual reports that break down your spending habits. Why Choose GLOSS Vault? Clean, Intuitive Design: No confusing financial jargon. Just simple, user-friendly tools designed for everyday life. Constantly Evolving: We actively update GLOSS Vault based on user feedback and the latest industry trends, ensuring you always have cutting-edge tools at your fingertips. Dedicated Support: Our expert, human support team is always ready to assist you with any questions or feedback. Why We Built This For over a decade, our team at Ironfly Technologies has built the "engine room" software for global hedge funds and elite wealth managers. We’ve seen firsthand the powerful tools the 1% use to grow their money—tools that were always locked away from everyone else. We don't think financial clarity should be a luxury. We built GLOSS Vault because we believe you deserve the same level of organization and security the wealthy, without the price tag or the complexity. We’ve taken everything we learned from the world of high finance and simplified it into a tool that's: Free and accessible: Because your we all need to start somewhere. Automated: Because you have a life to live, not a spreadsheet to update. Privacy-First: Built with higher ideals than our best global institutions. We’re a team of real people who care about financial literacy. This is our way of leveling the playing field. What's the Catch? So if it's free, and we can't sell your data, how is the app sustainable? GLOSS Vault finds deals to save you money. If we can find you good ones, we get a small commission to help keep finding you deals. If nothing strikes your fancy, then you can ask it to show you an ad or two to keep the automated feeds going. Everything else is free forever. Simple as that. You stay always in control. Join our growing community of members who trust GLOSS Vault to protect, organize, and grow their wealth. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SubTracker

Effortlessly track and manage all your subscriptions in one place. Get smart reminders before renewals, view spending at a glance, and customize each subscription with unique icons and colors. Stay in control of your digital expenses with a sleek, intuitive interface.

Highlights
  • Intuitive dashboard for monthly/annual spending
  • Automatic sorting by renewal date
  • Customizable cards with icons and colors
  • Quick add and edit subscriptions
  • Smart renewal reminders
  • Secure iCloud synchronization
Features
Read full description

Find out what you really spend on subscriptions, and stop paying for the ones you forgot. SubTracker puts every subscription in one place: streaming, music, AI tools, cloud storage, gym, apps and more. See your monthly and yearly total at a glance and get a reminder before every renewal, so nothing is charged by surprise. NO BANK LOGIN, NO ACCOUNT Your data stays on your device, or in your own iCloud if you turn on sync. Add a service in one tap from 25+ popular presets, or create your own with any price and billing cycle. NEVER PAY FOR A FORGOTTEN FREE TRIAL Mark a subscription as a free trial and SubTracker reminds you two days and one day before it turns into a charge. RENEWAL CALENDAR See exactly which day each subscription renews, with weekly, monthly, every-two-months, quarterly, semi-annual and yearly billing. SUBTRACKER PRO • Unlimited subscriptions (free plan: 3) • Analytics: category breakdown, 12-month forecast, 1/3/5-year projections • Monthly budget with an alert when you go over it • Price increase tracking: price history for every subscription and what each increase costs you per year • Custom reminders: 1, 2, 3 or 7 days before, plus an alert on payment day • iCloud sync between iPhone and iPad • Medium and Lock Screen widgets • PDF and CSV export Pro is available as a yearly subscription, a monthly subscription, or a one-time lifetime purchase. Buyers of the original one-time unlock keep Pro forever. MORE • Face ID / Touch ID lock • Shared subscriptions: track only your share • Pause subscriptions and see what you save • Small Home Screen widget • 9 languages and 11 currencies • Light and dark mode Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple ID. Manage or cancel in Settings > Apple ID > Subscriptions. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pierfrancescoamendola.github.io/SubTracker/privacy-policy.html Support: https://pierfrancescoamendola.github.io/SubTracker/support.html

Screenshots

GLOSS Vault3 screens
SubTracker4 screens

Verdict

The call

The clearest difference is ads: SubTracker at none against GLOSS Vault's shown. GLOSS Vault's advantage is iOS requirement (14.0 vs 17.0). On price, update cadence, 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. GLOSS Vault sells 1 in-app purchase, starting at $99.99 per year and SubTracker sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 17, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
GLOSS Vault versus SubTracker: the parameters behind the verdict, then further details
ParameterGLOSS VaultSubTracker
PriceFreeFree
Rating—4.0 (8 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—8 — better
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS14.0 — better17.0
Further details — not scored
Size40 MB12 MB
Age rating4+4+
DeveloperIronfly Technologies Limited (Australia) Pty LtdPierfrancesco Amendola

In-app purchases

1 purchases

GLOSS Vault

Subscriptions1
  • Gloss Vault - Premium14 Days trial$99.991 Year
3 purchases

SubTracker

Subscriptions2
  • Pro Monthly$2.991 Month
  • Pro Yearly$14.991 Year
One-time1
  • Pro Lifetime$29.99

Questions

Is GLOSS Vault free?
GLOSS Vault is free to download, with in-app purchases available.
Is SubTracker free?
SubTracker is free to download, with in-app purchases available.
Do GLOSS Vault or SubTracker have ads?
GLOSS Vault shows ads; SubTracker does not.
Which is updated more often, GLOSS Vault or SubTracker?
GLOSS Vault ships an update weekly, and SubTracker weekly. Most recently, GLOSS Vault was updated on October 17, 2026 and SubTracker on October 28, 2026.

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