Simple Payment Tracker vs Substrack
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
Simple Payment Tracker
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Never miss a bill again. Add a payment with a name, amount and due date, and get a reminder on the day it is due. Simple Payment Tracker keeps rent, loans, credit cards, subscriptions and every other bill in one clear list. No sign-up, no clutter. WHAT YOU CAN DO ⢠Add a payment in seconds: name, amount, due date ⢠Get a notification on each due date ⢠Mark payments as paid and keep your history ⢠See upcoming payments month by month on a bar chart ⢠Switch between monthly and daily views ⢠Track income and expenses next to your bills ⢠Keep up to 4 accounts, including cash, with their balances ⢠Export a PDF report of your payments and balance BUILT TO STAY SIMPLE Open the app, see what is due next, mark it paid. That is it. Your financial data stays on your device. Available in English and Turkish.
Substrack
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Substrack helps you keep track of your recurring subscriptions in one simple, organized place. Add your subscriptions, set prices and billing dates, see what renews next, and understand how much you spend each month and year. Substrack is designed to make recurring payments easier to follow without requiring an account or a complicated setup. Features: ⢠Track active and paused subscriptions ⢠Add custom subscriptions or choose from built-in services ⢠View upcoming payments and renewal dates ⢠See monthly and yearly spending totals ⢠Review category-based spending insights ⢠Choose your display currency ⢠Enable local billing reminders ⢠Export your subscription data as JSON, CSV, or PDF ⢠Use light or dark theme ⢠Keep your subscription data stored locally on your device Substrack uses exchange rates to help display totals in your selected currency. If exchange rates are unavailable, the app continues using default values. No account required. No ads. No analytics tracking.
Screenshots
Verdict
The clearest difference is ads: Substrack at none against Simple Payment Tracker's shown. Substrack also leads on update cadence (every 4 days vs every 7 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Simple Payment Tracker ships an update every 7 months, Substrack every 4 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.
| Parameter | Simple Payment Tracker | Substrack |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 7 months | Every 4 days ā better |
| Ads | Yes | No ā better |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 ā better | 15.1 |
| Further details ā not scored | ||
| Size | 34 MB | 41 MB |
| Age rating | 12+ | 4+ |
| Developer | kerem yokuva | Baris Gunduz |
In-app purchases
Simple Payment Tracker
No in-app purchases
Substrack
No in-app purchases
Questions
Is Simple Payment Tracker free?
Is Substrack free?
Do Simple Payment Tracker or Substrack have ads?
Which is updated more often, Simple Payment Tracker or Substrack?
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