Cozy Funds vs Worth It! Subscription Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cozy Funds
This app offers a peaceful and supportive way to manage your finances. It securely connects to your bank accounts for automated transaction syncing, providing clear visual insights into your spending and budget progress without any advertisements.
- Automated transaction syncing
- Visual spending insights
- Flexible budget creation
- Unified net worth view
- Ad-free experience
- Transaction filtering
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We understand that managing money can often feel heavy, judgmental, or even a bit overwhelming. We built CozyFunds to be a different kind of space: a calm, supportive financial sanctuary where you can check in with your world without the usual stress. Whether you are looking for clarity after a busy month or simply want a more peaceful way to view your progress, CozyFunds is here to help you breathe a little easier. A Gentle Start to Tracking - Automated Simplicity: Securely gather your checking and credit accounts in one place, removing the friction and weight of manual entry. - Hands-Off Syncing: Your transaction history is updated automatically, allowing the app to do the heavy lifting while you focus on what matters. - Privacy at the Core: We use secure, bank-level connections to sync your accounts. Your login credentials are encrypted and never stored on our servers, ensuring your data remains private and protected. Clarity for Your Daily Life - Your Home Dashboard: Receive a quiet, helpful snapshot of your income, spending trends, and pinned budget goals the moment you open the app. - Visual Insights: Turn complex numbers into peaceful donut charts and stacked bar breakdowns that show you the "why" behind your spending. - Flexible Date Ranges: Easily toggle between "Month Mode" or set custom date ranges to understand your history on your own terms. - Transaction Explorer: Use refined filters for category and amount ranges to organize your history and find exactly what you need without the clutter. Budgets That Understand You - Space to Breathe: Create budgets that reflect your real life. Map specific categories to your goals and set recurring options that work for your unique rhythm. - Live Progress: Stay informed with budget totals that can update automatically as you spend, giving you an accurate view of your remaining funds. - Detailed Controls: Link or unlink specific transactions to your budgets and force-sync data to ensure your view is always accurate. A Clean, Ad-Free Space - Focus on What Matters: CozyFunds is completely free of third-party advertisements. We believe your financial sanctuary should be a place of focus and peace, not a place for distractions or promoted products. Total Visibility, Total Peace - Unified Wallet View: See your total net worth at a glance, with a clear breakdown of your available cash versus your credit debt. - Account Health: Monitor the connection status of your institutions and edit account nicknames to make your dashboard feel more personal. - Reminders & Tasks: Use the notification center to pin important financial tasks or manage reminders so you can clear them from your mental to-do list. CozyFunds Membership: Experience the full potential of your sanctuary with a simple monthly or yearly Premium membership. Premium Membership Unlocks: - Auto-Syncing Budgets: Experience fully automated tracking where your spending totals update themselves based on your selected categories. - Unlimited Institutions: Link every checking and credit account you manage across all supported institutions. - Infinite Budgets: Create as many custom categories and goals as you need to feel balanced. - Full Historical Access: Look beyond the standard window to explore long-term trends and your complete financial history. Peace of Mind Transitions: If your subscription ends, we provide a 3-day grace period to help you transition. After this time, premium features will be securely disconnected or removed to protect your data. We will send you gentle notifications throughout this process so you are always informed and in control. Privacy & Terms - Privacy Policy: https://cozyfundsapp.com/privacy-policy - Terms of Service: https://cozyfundsapp.com/terms-of-service Disclaimer: CozyFunds is a tracking and budgeting tool. It does not provide investment advice. Stop the noise. Start your sanctuary. Stay cozy.
Worth It! Subscription Tracker
Track your subscriptions, their usage, and value compared to single use. Get notified about upcoming renewals and cancellations. Optimize your spending by identifying subscriptions that provide real value.
- Subscription tracking
- Usage and value comparison
- Renewal and cancellation notifications
- Monthly expense overview
- Automatic currency conversion
- Customizable app settings
- iCloud Sync support
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With Worth It!, you not only keep track of all your subscriptions: Track the value of your subscriptions compared to single use. Be notified when cancellations or renewals are imminent. This is how it works: 1. Add subscription 2. Add service (single use) 3. A tap when using 4. Receive valuable statistics about your subscriptions You not only see whether you are using your annual pass for sports, museum or zoo, but you also receive an overview of your monthly subscription expenses directly. Subscriptions that you like to use anyway and are difficult to track can be marked and always included in the statistics as worthwhile. Your data remains your data. Only on your device. You can optionally use your iCloud storage for backups and iCloud Sync. Additional features that are intended to simplify and enrich your life: - all basic statistics for your subscriptions - Detailed evaluation of your individual subscriptions* - automatic currency conversion: Track your foreign exchange rates and receive daily current conversions - Overview of your total subscription costs - Quick access to your meters with widgets in three different sizes - Notifications when your subscriptions need to be canceled; optional with notice period - Many options to customize your app and set it up as you want - iCloud Sync support to synchronize your subscriptions on iOS, iPad OS and MacOS - Backups to your iCloud - Better Safe Than Sorry* The optimal result: You only keep what provides real added value, cancel unnecessary subscriptions and permanently reduce your monthly costs. So what are you waiting for? Download Worth It! now and start saving money. It's worth it. *These features are part of Worth It! Premium - also available as a one-time purchase
Screenshots
Verdict
The clearest difference is ads: Cozy Funds at none against Worth It! Subscription Tracker's shown. Cozy Funds also leads on update cadence (every 3 days vs every 2 weeks) and iOS requirement (16.6 vs 26.1). On price, in-app purchases, monetization model 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
Both are free to download. Cozy Funds sells 3 in-app purchases, starting at $2.99 per 7 days and Worth It! Subscription Tracker sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Cozy Funds ships an update every 3 days, Worth It! Subscription Tracker every 2 weeks. The most recent releases landed on October 11, 2026 and October 15, 2026 respectively.
| Parameter | Cozy Funds | Worth It! Subscription Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 days — better | Every 2 weeks |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.6 — better | 26.1 |
| Further details — not scored | ||
| Size | 49 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | Anslem Ubaka | Marcel Hecker |
In-app purchases
Cozy Funds
- Weekly Subscription$2.997 Days
- Monthly Subscription7 Days trial$9.991 Month
- Yearly Subscription7 Days trial$79.991 Year
Worth It! Subscription Tracker
- 1 Month Worth It! Premium$1.991 Month
- 1 Year Worth It! Premium7 Days trial$8.991 Year
- Worth It! Premium Lifetime$14.99
Questions
Is Cozy Funds free?
Is Worth It! Subscription Tracker free?
Do Cozy Funds or Worth It! Subscription Tracker have ads?
Which is updated more often, Cozy Funds or Worth It! Subscription Tracker?
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