Comparison

Subo vs Settle

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

Head to head
About

Subo

Effortlessly manage all your recurring bills and subscriptions in one place. Get smart reminders before charges hit, track your spending, and avoid unexpected fees with this privacy-focused organizer.

Highlights
  • Track subscription renewals
  • Monitor monthly and yearly spending
  • Receive smart charge reminders
  • Multi-currency support
  • Pre-filled provider templates
  • Clean, ad-free dashboard
Features
Read full description

Subo is a beautifully simple subscription tracker for iPhone and iPad that helps you see what you pay for, what renews next, and what needs your attention. Track and manage subscriptions, free trials, memberships, prepaid plans, app subscriptions, and recurring bills in one private place, without connecting your bank account. See what’s coming up • See what’s next in a clear chronological timeline • Explore renewals, recurring charges, trial endings, and plan endings in a month calendar • Get a Heads up for important events, including annual renewals and larger charges • Get reminders before renewals, charges, trial endings, and plan endings Keep everything organized • Find and manage every subscription in one dedicated place • Search by name, brand, or category • See monthly and yearly subscription totals • Add popular services quickly with ready-made templates • Track subscriptions in different currencies • Organize everything with categories and payment methods • Track active, inactive, prepaid, and fixed-term plans • Keep what’s next in view with Home Screen and Lock Screen widgets Subo is designed to feel clean, focused, and native to iOS. No clutter. No ads. Just a calm place to keep your recurring costs under control. Private by design Your subscription details stay on your device, or securely in iCloud if you choose to sync. Automatic local backups give you another way to restore your data. Subo does not sell your data. Track subscriptions without adding another one Start free with up to six subscriptions. Unlock unlimited tracking with a one-time Forever Pass, or choose 12 months of non-renewing access. Neither option renews automatically. Built independently Subo is made independently and shaped by real user feedback. Questions, suggestions, or feedback? Email niclas@getsubo.app. Subo is not affiliated with any brands shown. Logos are for identification only.

About

Settle

Features
Read full description

Settle makes splitting money with friends effortless. Whether it's a trip, a shared flat, dinner, or a group gift, Settle keeps track of who paid, who owes what, and helps everyone square up — without the awkward math or the awkward reminders. SPLIT ANY EXPENSE • Add an expense in seconds and split it equally, by exact amounts, by percentage, or by shares. • Snap a photo of the receipt and keep it attached to the expense. • Organize costs into groups for trips, homes, or couples. SEE WHERE YOU STAND • A clear running balance for every group and every friend. • Understand who owes whom at a glance — no spreadsheets. • Spending charts and insights to see where the money went. SETTLE UP THE EASY WAY • Record settlements when someone pays you back. • Add your UPI ID so friends can pay you in a tap. BUILT TO FEEL GOOD • Fast, clean, and native — with a polished light and dark theme. • Optional Face ID lock to keep your balances private. • Works smoothly even when your connection drops. PRIVATE BY DESIGN • No ads. No tracking. No selling your data. • Sign in with Apple or Google. • Delete your account and data anytime, right from the app. Settle is a record-keeping tool — payments happen directly between you and your friends. Download Settle and never chase a balance again.

Screenshots

Subo4 screens
Settle4 screens

Verdict

The call

The clearest difference is in-app purchases: Settle at none against Subo's 6. Settle also leads on iOS requirement (17.0 vs 26.0). Subo's advantage is update cadence (every 4 days vs every 3 weeks). On price, ads 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. Subo sells 6 one-off in-app purchases. Settle asks for nothing beyond the download.

UpkeepUpdate frequency

Subo ships an update every 4 days, Settle every 3 weeks. The most recent releases landed on October 28, 2026 and October 19, 2026 respectively.

Scorecard3 real differences · 7 level
Subo versus Settle: the parameters behind the verdict, then further details
ParameterSuboSettle
PriceFreeFree
Rating4.8 (81 ratings) — better—
Positive reviews91.2% of reviews—
Number of ratings81 — better—
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad — betteriPhone
Requires iOS26.017.0 — better
Further details — not scored
Size146 MB31 MB
Age rating4+4+
DeveloperNiclas SchmidtYashvardhan Bhardwaj

Bugs and requests

Subo

Reported bugs

2 issues
  • Incorrect pricing on lifetime subscription offer
  • Inconsistent behavior across iOS devices

Requested features

4 requests
  • iCloud sync between devices
  • More subscription service integrations
  • Custom icons or logos for subscriptions
  • Public roadmap or feature teasers

Settle

Not enough reviews yet to summarise bugs or requests.

In-app purchases

6 purchases

Subo

One-time6
  • Espresso Shot$1.99
  • 3 Months Unlimited$3.99
  • Big Boost$3.99
Show 3 more
  • Legendary Support$8.99
  • 12 Months Unlimited$9.99
  • Subo Unlimited – Lifetime Pass$24.99
None

Settle

No in-app purchases

Questions

Is Subo free?
Subo is free to download, with in-app purchases available.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Subo or Settle have ads?
Neither Subo nor Settle shows ads.
Which is updated more often, Subo or Settle?
Subo ships an update every 4 days, and Settle every 3 weeks. Most recently, Subo was updated on October 28, 2026 and Settle on October 19, 2026.

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