# クレジットカードの引き落とし管理「Ochibi」 vs Cardly

The clearest difference is in-app purchases: Cardly at none against クレジットカードの引き落とし管理「Ochibi」's 2. Cardly also leads on update cadence (every 3 days vs fortnightly) and iOS requirement (15.1 vs 17.6). クレジットカードの引き落とし管理「Ochibi」's advantage is ads (none vs shown). On price and device support there is nothing between them.

Both are free to download. クレジットカードの引き落とし管理「Ochibi」 sells 2 in-app purchases, starting at $0.99 per month. Cardly asks for nothing beyond the download.

クレジットカードの引き落とし管理「Ochibi」 ships an update fortnightly, Cardly every 3 days. The most recent releases landed on October 2, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | クレジットカードの引き落とし管理「Ochibi」 | Cardly |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 62.5% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 15 MB | 31 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [Kouki Yamashita](https://appshunter.io/developer/1842479619) | [ryuse maekawa](https://appshunter.io/developer/1861766548) |

## What reviewers say

### クレジットカードの引き落とし管理「Ochibi」

[App page](https://appshunter.io/ios/app/ochibi/id6753298902)

This app helps you manage monthly payments, subscriptions, and fixed expenses. It organizes upcoming charges from banks and cards, providing clear visibility of when and where funds will be debited. Avoid missed payments with timely reminders and review your spending habits.

**Highlights:** Monthly payment overview, Subscription and fixed cost management, Automatic business day calculation for due dates, Payment reminder notifications, Spending analysis and review, Simple and user-friendly design

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro月額プラン | $0.99 | per month |
| ochibi-Pro | $6.99 | one-time |


### Cardly

[App page](https://appshunter.io/ios/app/cardly/id6758878682)

**In-app purchases:** none


## Frequently asked questions

### Is クレジットカードの引き落とし管理「Ochibi」 free?

クレジットカードの引き落とし管理「Ochibi」 is free to download, with in-app purchases available.

### Is Cardly free?

Cardly is free to download, with no in-app purchases.

### Do クレジットカードの引き落とし管理「Ochibi」 or Cardly have ads?

Cardly shows ads; クレジットカードの引き落とし管理「Ochibi」 does not.

### Which is updated more often, クレジットカードの引き落とし管理「Ochibi」 or Cardly?

クレジットカードの引き落とし管理「Ochibi」 ships an update fortnightly, and Cardly every 3 days. Most recently, クレジットカードの引き落とし管理「Ochibi」 was updated on October 2, 2026 and Cardly on September 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*