Comparison

Bani vs SubGuard

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

Head to head
About

Bani

Effortlessly manage your money with an intelligent expense tracker. Use natural language or voice input to log expenses, analyze spending patterns with smart charts, and organize transactions with custom categories. Your financial data remains private on your device.

Highlights
  • AI-powered expense logging
  • Voice and text input
  • Smart analytics and charts
  • Customizable categories
  • Data export and backup
  • Privacy-focused, on-device storage
Features
Read full description

Take control of your finances with Bani — an intelligent expense tracker designed to make managing your money simple, fast, and insightful. KEY FEATURES • Multiple Accounts Create separate accounts for bank cards, cash, savings, business expenses, and more. Customize each account with its own name, icon, color, and currency. View the balance and complete transaction history for every account. • iOS Home Screen Widget See your total balance and currency directly from your Home Screen. Use the quick-add button to open Bani and record a new transaction instantly. • Support for 100+ Currencies Track expenses and income in currencies from around the world. Bani converts transactions into your selected currency, making it easier to understand your complete financial picture. • AI-Powered Assistant Describe expenses and income in natural language, and let Bani prepare transactions for you. Use text or voice input, upload receipts and screenshots, or analyze PDF and CSV files. • Smart Analytics Explore clear charts and detailed spending insights. Review income and expenses by month, week, all time, or a custom date range. Understand where your money goes with category breakdowns. • Custom Categories Create categories that match your lifestyle. Choose custom names, icons, and colors to keep transactions organized and easy to recognize. • Import and Export Import transactions from PDF and CSV bank statements. Export your data as CSV files for backup, analysis, or sharing with an accountant, family member, or financial advisor. • Smart Reminders Receive helpful notifications that remind you to record expenses and keep your financial information up to date. • Sync and Data Control Sign in to keep your financial data connected to your account and synchronized. You can delete your account and associated data at any time from Settings → Account. • Beautiful and Simple Design Enjoy a clean interface with light and dark themes, smooth animations, and haptic feedback. PREMIUM FEATURES • AI Assistant with text and voice input • Receipt, screenshot, PDF, and CSV analysis • CSV export • Additional intelligent tools and insights PERFECT FOR • Personal finance management • Tracking income and expenses • Managing multiple accounts • Budget planning • Organizing business expenses • Reviewing spending habits • Keeping financial records in one place Download Bani today and make everyday money management easier with intelligent tools, flexible organization, and useful financial insights. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SubGuard

Features
Read full description

Keep your subscriptions and renewal dates in one place with SubGuard. Record recurring costs, choose a billing cycle and see your estimated monthly and yearly spending. ORGANIZE YOUR SUBSCRIPTIONS Add and edit services, group them by category, and filter or sort your list. Set a monthly budget and check upcoming renewals in the calendar. Renewal reminders depend on your notification permissions. FREE AND PRO The Free plan supports up to 5 subscriptions, spending totals, the renewal calendar and standard reminders. SubGuard Pro is a one-time in-app purchase. It unlocks unlimited subscriptions, spending charts, CSV export, shared subscription tracking and custom renewal reminders. Restore purchases is available in Settings. SHARED TRACKING With Pro, invite other SubGuard users to track a subscription together. Sharing organizes records and costs; it does not share service credentials or transfer money. YOUR ACCOUNT Sign in with Apple, Google or email to sync subscription records through your SubGuard account. A local cache keeps previously loaded records available when connectivity is limited. SubGuard records the information you enter. It does not connect to your bank, charge for tracked services or cancel subscriptions with their providers. Available for iPhone and iPad, in English and Italian.

Screenshots

Bani4 screens
SubGuard4 screens

Verdict

The call

The clearest difference is update cadence: SubGuard at every 9 days against Bani's every 3 months. Bani's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases 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. Bani sells 1 in-app purchase, starting at $3.99 per month and SubGuard sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Bani ships an update every 3 months, SubGuard every 9 days. The most recent releases landed on October 6, 2026 and October 26, 2026 respectively.

Scorecard2 real differences · 7 level
Bani versus SubGuard: the parameters behind the verdict, then further details
ParameterBaniSubGuard
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 9 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size77 MB23 MB
Age rating4+4+
DeveloperCristian GurdilaMarco Medri

In-app purchases

1 purchases

Bani

Subscriptions1
  • Premium3 Days trial$3.991 Month
1 purchases

SubGuard

One-time1
  • SubGuard Pro$19.99

Questions

Is Bani free?
Bani is free to download, with in-app purchases available.
Is SubGuard free?
SubGuard is free to download, with in-app purchases available.
Do Bani or SubGuard have ads?
Neither Bani nor SubGuard shows ads.
Which is updated more often, Bani or SubGuard?
Bani ships an update every 3 months, and SubGuard every 9 days. Most recently, Bani was updated on October 6, 2026 and SubGuard on October 26, 2026.

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