Comparison

Simple Payment Tracker vs Substrack

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

Head to head
About

Simple Payment Tracker

Features
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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.

About

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

Simple Payment Tracker4 screens
Substrack4 screens

Verdict

The call

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences Ā· 4 level
Simple Payment Tracker versus Substrack: the parameters behind the verdict, then further details
ParameterSimple Payment TrackerSubstrack
PriceFreeFree
Update frequencyEvery 7 monthsEvery 4 days — better
AdsYesNo — better
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size34 MB41 MB
Age rating12+4+
Developerkerem yokuvaBaris Gunduz

In-app purchases

None

Simple Payment Tracker

No in-app purchases

None

Substrack

No in-app purchases

Questions

Is Simple Payment Tracker free?
Simple Payment Tracker is free to download, with no in-app purchases.
Is Substrack free?
Substrack is free to download, with no in-app purchases.
Do Simple Payment Tracker or Substrack have ads?
Simple Payment Tracker shows ads; Substrack does not.
Which is updated more often, Simple Payment Tracker or Substrack?
Simple Payment Tracker ships an update every 7 months, and Substrack every 4 days. Most recently, Simple Payment Tracker was updated on October 28, 2026 and Substrack on October 31, 2026.

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