Comparison

Pay with Sublime vs PayTracker Pro

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

Head to head
About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

About

PayTracker Pro

Features
Read full description

Stop guessing. Start planning every paycheck with confidence. PayTracker Pro is the simplest way to see exactly what's left in your checking account after every bill is paid. No spreadsheets. No complicated budgets. Just a clear picture of your money. HOW IT WORKS Tell PayTracker Pro when you get paid and what bills you have. We automatically build your pay periods and show you which bills come out of which paycheck — so you always know what's safe to spend. FEATURES YOU'LL LOVE • Smart Pay Period Forecast — See your next 6+ paychecks at a glance with bills auto-assigned to each one • Checking Balance Tracker — One tap to update your balance. We do the math from there. • Daily Update Reminders — Never forget to refresh your balance, so your forecast stays accurate • Bills with "Days Early" — Automatically pay bills a few days before they're due, just like you would in real life • Credit Card Grouping — All your CC purchases roll into one monthly payment line, so the math actually matches your statement • One-Off Expenses — Quick-add unexpected costs without messing up your recurring bills • Cushion Protection — Set a minimum balance you never want to dip below • One-Time Bill Shifts — Need to push rent a day late this month? Shift it for one period without changing anything else. • Light, Dark, and System Themes — Looks beautiful any time of day PAYTRACKER PRO PREMIUM Upgrade to unlock the cushion feature, unlimited bills, and the full forecast experience. - Monthly: $2.99 - Yearly: $24.99 (save 30%) - 7-day free trial on all new subscriptions Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. WHY PAYTRACKER PRO? Most budgeting apps want you to categorize every transaction and track every penny. We don't. PayTracker Pro answers ONE question really well: "How much money do I actually have to spend until my next paycheck?" If you've ever overdrafted, missed a bill, or felt anxious checking your account — this app is for you. PRIVACY FIRST Your financial data stays on your device. We don't link to your bank, we don't sell your data, and we never see your transactions. Period. Download PayTracker Pro today and finally feel in control of your paycheck. Visit paytrackerpro.com for tutorials and tips. Questions? Reach us at support@paytrackerpro.com Terms of Use: https://paytrackerpro.com/terms Privacy Policy: https://paytrackerpro.com/privacy

Screenshots

Pay with Sublime4 screens
PayTracker Pro4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against PayTracker Pro's 2. Pay with Sublime also leads on update cadence (every 9 days vs every 2 months). PayTracker Pro's advantage is iOS requirement (15.1 vs 18.5). On price, ads 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. PayTracker Pro sells 2 in-app purchases, starting at $2.99 per month. Pay with Sublime asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Sublime ships an update every 9 days, PayTracker Pro every 2 months. The most recent releases landed on October 17, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 7 level
Pay with Sublime versus PayTracker Pro: the parameters behind the verdict, then further details
ParameterPay with SublimePayTracker Pro
PriceFreeFree
Rating4.7 (157 ratings) — better—
Positive reviews85.7% of reviews—
Number of ratings157 — better—
Update frequencyEvery 9 days — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.515.1 — better
Further details — not scored
Size61 MB49 MB
Age rating17+4+
DeveloperSublime Payments CompanyMichael Wachel

In-app purchases

None

Pay with Sublime

No in-app purchases

2 purchases

PayTracker Pro

Subscriptions2
  • Monthly Premium7 Days trial$2.991 Month
  • Yearly Premium7 Days trial$24.991 Year

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is PayTracker Pro free?
PayTracker Pro is free to download, with in-app purchases available.
Do Pay with Sublime or PayTracker Pro have ads?
Neither Pay with Sublime nor PayTracker Pro shows ads.
Which is updated more often, Pay with Sublime or PayTracker Pro?
Pay with Sublime ships an update every 9 days, and PayTracker Pro every 2 months. Most recently, Pay with Sublime was updated on October 17, 2026 and PayTracker Pro on October 8, 2026.

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