PayTracker vs SpendByMe

In a world filled with streaming services, software licenses, and monthly memberships, are you finding it difficult to keep track of all your subscriptions? Forgetting due dates or being surprised by unexpected charges can be frustrating and costly. It's time to regain control. PayTracker is a beautifully simple yet powerful app designed to help you manage all your recurring payments in one central place, so you can stay organized, avoid late fees, and understand exactly where your money is going. Effortless & Unified Tracking PayTracker streamlines the process of managing your subscriptions. Adding a new service is quick and intuitive. Whether you're billed daily, weekly, monthly, or annually, our flexible recurrence options have you covered. Set the name, amount, start date, and category, and let PayTracker do the rest. The app’s true power lies in its comprehensive multi-currency support. Do you subscribe to services in different currencies? No problem. Set your preferred base currency, and manually input your own exchange rates for precise tracking. The home screen dashboard provides an instant, at-a-glance summary of your total monthly and yearly expenses, all neatly converted into your base currency. This unified view gives you a clear and accurate picture of your financial commitments, eliminating the guesswork of currency conversion. If a rate is missing, the app will smartly notify you, ensuring your totals are always up-to-date. Stay Organized and Informed Never miss a payment again with our robust notification system. PayTracker allows you to set up customized reminders, alerting you days before a payment is due. You can configure the exact number of days in advance and the time of day you wish to be notified, giving you complete control over your alerts and ample time to prepare. Organization is key to financial clarity. With PayTracker, you can categorize your subscriptions to match your lifestyle. Create, rename, and reorder custom categories like "Entertainment," "Work," or "Utilities" to see how your spending is distributed. When a subscription is no longer needed, you can archive it to remove it from active totals while preserving its history, or delete it permanently. Dive deeper into your spending habits with powerful sorting and filtering tools. View only active subscriptions, filter by a specific category or currency, or search for a particular service by name or notes. You can sort your list by next due date, name, amount, or creation date, making it easy to find the information you need, when you need it. The detailed view for each subscription provides a preview of upcoming payments, including the number of occurrences and total cost for the current month and year. Clean Design and Intuitive Experience We believe that managing your finances should be a pleasant experience. PayTracker features a clean, modern, and intuitive interface that is easy to navigate from the moment you open it. The design focuses on clarity and simplicity, ensuring your financial data is easy to read and understand. To make the app truly yours, choose between a sleek dark mode, a crisp light mode, or have it automatically match your system's appearance settings. PayTracker Pro: Unlock Your Full Potential Get started with PayTracker for free and manage up to 4 active subscriptions to see how it can simplify your life. When you're ready to take full control, upgrade to PayTracker Pro. The Pro version unlocks the ability to track unlimited subscriptions, giving you the freedom to manage every single one of your recurring payments without restriction. It’s a simple purchase to support ongoing development and unlock the app's full potential, helping you become a master of your financial domain. Privacy Policy: https://nkmr35.github.io/privacy_paytracker_en.html Terms of Use: https://nkmr35.github.io/terms_paytracker_en.html

Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/