Budge AI vs Subby
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Budge AI
Effortlessly track your spending by automatically logging transactions from SMS and email receipts. This AI-powered tool helps you build smarter budgets, understand your financial trends, and get personalized insights without needing your bank password.
- Automatic expense tracking from SMS/email
- AI-powered budgeting and insights
- Receipt scanning with auto-extraction
- Privacy-focused design, no bank passwords
- Daily, weekly, monthly spending breakdowns
- Smart budget alerts
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Track spending automatically. Build smarter budgets. Understand your money with AI. Budge AI is an AI-powered expense tracker that logs your spending from SMS alerts and email receipts without requiring your bank password. No manual data entry. No complicated integrations. Just privacy and simplicity. YOUR PERSONAL AI MONEY ASSISTANT Chat with your AI accountant: • How much did I spend on food? • Create a budget for transport • Show me where I'm overspending • Scan this receipt Budge AI answers instantly. Creates budgets automatically. Analyzes trends. You make the decisions. HOW BUDGE AI WORKS • Automatic Expense Tracking — SMS and email receipts logged instantly • Smart Budgets — Set limits, get alerts, stay in control • Insights — Daily, weekly, and monthly breakdowns by category • Receipt Scanning — Snap a photo, auto-extracted in seconds • Works with M-Pesa, Flutterwave, Paystack, UPI, and most banks • Private by Default — No bank passwords, no data selling WHY CHOOSE BUDGE AI Unlike other budget apps, Budge AI doesn't need your bank login. We read the SMS and email alerts you already receive. Most budget apps show you numbers. Budge AI's AI assistant actively helps by creating budgets, answering questions, analyzing trends, and identifying where you're overspending. Works with most banks and payment services that send SMS or email transaction alerts. Built for freelancers with variable income, expats managing multiple currencies, and anyone who values privacy and simplicity. WHY PEOPLE LOVE BUDGE AI • No spreadsheets • No manual expense logging • No bank passwords required • AI-powered financial insights • Smart budgeting made simple • Privacy-first design • Works with the alerts you already receive GET STARTED IN 30 SECONDS Download Budge AI free. Choose what to track. Start seeing where your money goes. Bank-level encryption. All data processed on your device. Never sold or shared. Full privacy control. Stop wondering where your salary disappeared to. Build better money habits with Budge AI. IN-APP PURCHASES Budge AI is free to use, with optional premium features available through Budge Pro subscriptions. LEGAL: Privacy Policy: https://budgeai.com/privacy-policy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Subby
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Subby Recurring Payments, Simplified Subby is the all-in-one platform for managing recurring payments built for businesses that collect them, and the people who pay them. Whether you run an estate, a waste management company, a gym, a meal-plan service, or a healthcare or insurance business, Subby helps you automate billing and collections so you can focus on running your business, not chasing payments. FOR BUSINESSES Take the manual work out of recurring billing: Create custom payment plans and schedules for your customers Automate collections, payment retries, and renewals Send automatic reminders via WhatsApp, SMS, email, and Telegram Track late payments, customer activity, and revenue performance in real time Reconcile transactions and manage all collections from a single dashboard No more spreadsheets. No more manual reminders. No more chasing down late payments. FOR CUSTOMERS Never lose track of a recurring payment again: View and manage all your recurring services in one place Get timely reminders before payments are due Pay and renew services in just a few taps Track your full payment history and upcoming charges Avoid missed payments and service interruptions WHY SUBBY Recurring payments shouldn't mean recurring headaches. Subby brings structure to both sides of the transaction, helping businesses reduce late payments and administrative overhead, while giving customers a clear, simple way to stay on top of what they owe and when. Download Subby today and take control of recurring payments, whether you're collecting them or paying them.
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Verdict
The clearest difference is in-app purchases: Subby at none against Budge AI's 3. Subby also leads on device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price and ads 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
Both are free to download. Budge AI sells 3 in-app purchases, starting at $4.99 per month. Subby asks for nothing beyond the download.
| Parameter | Budge AI | Subby |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Number of ratings | 2 — better | — |
| Update frequency | Monthly | — |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | Rejenga | Akingbade Kayode |
In-app purchases
Budge AI
- Budge Pro Monthly$4.991 Month
- Budge Pro Monthly1 Month trial$4.991 Month
- Budge Pro Yearly$49.991 Year
Subby
No in-app purchases









