Comparison

WhatPay vs EMI & Subscriptions Tracker

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

Head to head
About

WhatPay

Features
Read full description

WhatPay helps you track subscriptions, EMIs, and recurring bills in one clean place. Stay on top of what you pay every month with a simple card-based layout, quick insights, and reminders that help you avoid surprises. What you can do: - Track subscriptions, EMIs, trials, and recurring payments - View Monthly, Yearly, and Yet to Pay totals - Organize payments by category - Expand any card for detailed breakdowns - Edit and delete entries quickly - Set payment reminders - Use the home screen widget for at-a-glance tracking - Sync data with iCloud Built for clarity and speed: - Fast add flow with cleaner form layout - Better use of screen space while entering data - Improved interaction animations and smoother card actions - Simple, focused UI for everyday use Premium: - Free for up to 6 subscriptions - One-time upgrade to unlock unlimited tracking

About

EMI & Subscriptions Tracker

Features
Read full description

EMI Tracker & Loan Manager: Track bank EMIs, credit card EMIs, personal loans, bike loans, and phone EMIs See total outstanding amount, paid EMIs, and remaining EMIs Know your next EMI due date at a glance Clear breakdown of principal, interest, and balance Track EMI progress visually Perfect for anyone looking for an EMI tracker app in India. Subscription Tracker: Track all your monthly and yearly subscriptions See your average monthly subscription spending Categorize subscriptions (Entertainment, Utilities, Storage, etc.) Know exactly where your money goes every month Ideal if you want a subscription tracker app to avoid silent money leaks. Smart EMI Calculator: Calculate EMI instantly based on principal, interest rate, and tenure See total payable amount and interest cost Built-in affordability check based on your income Visual chart for better understanding Useful as both an EMI calculator and loan affordability calculator. Stay on Track: Clear EMI status: On track, Due soon, Completed See upcoming payments before they surprise you Designed to reduce missed payments and stress Backup & Sync: Secure cloud backup Sync your data across devices Your data stays private Clean, Fast & Private: No Ads No unnecessary permissions Offline-friendly Clean, modern dark UI Built for speed and clarity Who is this app for? People managing multiple EMIs Anyone paying monthly subscriptions Users looking for a simple expense & EMI tracker People who hate ads in finance apps Anyone who wants control over money without complexity Popular Use Cases: EMI tracker for loans EMI calculator India Subscription manager Monthly expense tracking Loan repayment planning EMI & Subs Tracker (No Ads) helps you stop guessing and start knowing where your money goes. Download now and take control of your EMIs and subscriptions โ€” the smart way.

Screenshots

WhatPay4 screens
EMI & Subscriptions Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: EMI & Subscriptions Tracker at none against WhatPay's 1. EMI & Subscriptions Tracker also leads on update cadence (weekly vs every 5 months) and device support (3 vs 1). On price and ads there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. WhatPay sells 1 one-off in-app purchase. EMI & Subscriptions Tracker asks for nothing beyond the download.

UpkeepUpdate frequency

WhatPay ships an update every 5 months, EMI & Subscriptions Tracker weekly. The most recent releases landed on October 8, 2026 and October 11, 2026 respectively.

Scorecard4 real differences ยท 2 level
WhatPay versus EMI & Subscriptions Tracker: the parameters behind the verdict, then further details
ParameterWhatPayEMI & Subscriptions Tracker
PriceFreeFree
Update frequencyEvery 5 monthsWeekly โ€” better
AdsNoNo
In-app purchasesYesNo โ€” better
DevicesiPhoneiPhone, iPad, iPod โ€” better
Requires iOS18.015.0 โ€” better
Further details โ€” not scored
Size5 MB38 MB
Age rating4+4+
DeveloperPRABAKARAN RAVICHANDRANSanthosh Shankar

In-app purchases

1 purchases

WhatPay

One-time1
  • WhatPay Pro$1.99
None

EMI & Subscriptions Tracker

No in-app purchases

Questions

Is WhatPay free?
WhatPay is free to download, with in-app purchases available.
Is EMI & Subscriptions Tracker free?
EMI & Subscriptions Tracker is free to download, with no in-app purchases.
Do WhatPay or EMI & Subscriptions Tracker have ads?
Neither WhatPay nor EMI & Subscriptions Tracker shows ads.
Which is updated more often, WhatPay or EMI & Subscriptions Tracker?
WhatPay ships an update every 5 months, and EMI & Subscriptions Tracker weekly. Most recently, WhatPay was updated on October 8, 2026 and EMI & Subscriptions Tracker on October 11, 2026.

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