Credigo vs SubsTracker+

Credigo is a lightweight and privacy-friendly app designed to help you understand mortgages, loans, and installment plans before making important financial decisions. Built entirely with SwiftUI, Credigo is fast, modern, and easy to use. All calculations are performed directly on your device — no servers, no third-party analytics, no ads. This means your financial data stays private and secure. With Credigo you can: Calculate monthly payments, total interest, and total repayment for mortgages, loans, and installments. View detailed amortization schedules. Save, duplicate, and compare different scenarios side by side with clear charts and tables. Experiment offline, anytime, without needing an internet connection. Whether you’re considering a mortgage, a personal loan, or a simple installment plan, Credigo gives you a clear picture of costs and repayment structure — a perfect first step before speaking with your bank or lender.

SubsTracker+ is your personal subscription assistant, designed to help you track, analyze, and optimize all your recurring payments in one beautiful, privacy-first app. Add Subscriptions Instantly - Whether you enter them manually or let Apple Intelligence automatically detect them from your emails, getting started takes seconds. Our intelligent email scanning recognizes subscription confirmations, renewals, and trial notifications — adding them to your dashboard without any typing. See the Complete Picture - View all your subscriptions at a glance with powerful filtering by frequency (weekly, monthly, yearly), status (active, trial, cancelled), and subscriber. Perfect for families managing multiple accounts or simply keeping your personal subscriptions organized. Real-Time Cost Tracking - Know exactly how much you're spending. SubsTracker+ automatically converts all currencies to your local currency and calculates your true monthly cost across all frequencies. See yours pending patterns by payment method, category, and time period. Price Change Tracking - Log price changes and keep a clear history of how each subscription has evolved. SubsTracker+ shows past price adjustments and applies scheduled changes so your dashboard always reflects the current price. Powerful Analytics & Insights - Our comprehensive insights dashboard reveals spending patterns you never knew existed: - Category breakdown showing where your money really goes - Payment method analysis to optimize your cashback rewards - Lifetime value tracking for each subscription - Future spending predictions for the next 3, 6, or 12 months - Renewal pattern analysis to balance your monthly budget Smart Notifications - Stay in control with intelligent renewal reminders. Get notified one day before any subscription renews so you can cancel if needed. Enable weekly reminders in settings to receive a convenient summary of upcoming renewals for the week ahead. Perfect for managing trials and avoiding unwanted charges. All notifications respect your privacy and work completely offline. Widget Support - Keep your upcoming renewals right on your home screen. Our beautiful widgets show your next renewals at a glance, filterable by subscriber. Available in multiple sizes to fit your home screen perfectly. Multi-Subscriber Support - Managing subscriptions for your family? Track separate subscribers with color-coded organization and individual spending totals. Perfect for families, couples, or roommates sharing accounts. Privacy by Design - Your data never leaves your device. All processing happens locally using Apple Intelligence. No cloud storage, no tracking, no data sharing. Your emails stay private, and only subscription metadata is stored locally on your iPhone. Beautiful Design - A clean, modern interface that makes subscription management actually enjoyable. Dark mode support, smooth animations, and thoughtful details throughout. Key Features at a Glance - Automatic subscription detection from emails (requires Apple Intelligence) - Manual subscription entry with 500+ pre-loaded service providers - Price change history and scheduled updates - Smart renewal notifications with customizable reminders - Multi-currency support with automatic conversion - Home screen widgets with upcoming renewals - Comprehensive analytics and spending insights - Category-based organization with customizable categories - Trial expiration tracking - Multi-subscriber management with color coding - Complete privacy—everything stays on your device - Dark mode and accessibility support - No ads, no subscriptions, no in-app purchases --- Apple Intelligence features require iOS 18 or later and a compatible device (iPhone 15 Pro, iPhone 16 series, or Mac with Apple Silicon).