Comparison

TalkLedger vs Sub

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

Head to head
About

TalkLedger

Features
Read full description

TalkLedger - Smart Expense Tracker Organized by AI Stop struggling with complicated expense entry! TalkLedger is an innovative expense tracking app that uses AI to automatically analyze natural language input and convert it into structured expense records. AI-Powered Natural Language Processing Type naturally like chatting, and AI analyzes it for you - Just type "Lunch today, 9,000 won, paid by card" and you're done! - AI understands your sentences and automatically extracts amount, category, payment method, date, and more - Record expenses naturally without complex form inputs Smart Analysis Powered by AI - Intelligent AI automatically converts natural language into structured expense data - Automatically distinguishes between expenses and income and categorizes them appropriately - Shows analysis results in card format for review before saving - Edit immediately if any corrections are needed Systematic Expense Management - Transaction list organized by date - Easy filtering by expense/income - View and edit detailed information for each item - Daily income/expense summary Customizable Settings - Build your own categorization system by adding/editing/deleting categories - Manage payment methods (cash, account, card, digital wallet, etc.) - Currency unit settings - Data reset functionality How to Use 1. Enter natural language on the input screen Example: "Dinner yesterday, 15,000 won. Paid with company card, food category" Example: "Salary of 3 million won deposited into salary account" Example: "Coffee today, 5,000 won, paid in cash" 2. Review AI-analyzed results - AI automatically extracts type (expense/income), amount, category, payment method, date, etc. - Edit directly from the result card if needed 3. Save and manage - Save after review to automatically record in your expense tracker - View and edit anytime from the transaction screen Why TalkLedger? AI Organizes Everything - The Biggest Advantage - Minimize input burden with AI-powered intelligent natural language processing - Completely eliminates complex form input processes - Just type naturally like chatting, and AI converts it into structured data Fast and Convenient - Complete expense recording in just seconds - Quickly record even small daily expenses - Input time dramatically reduced thanks to AI Complete Privacy - All transactions are stored only on your device - No features requiring internet connection, ensuring safety Intuitive Design - Modern and clean interface - Easy-to-use tab-based navigation - Get started easily with tutorials Full Offline Support - Use all features without internet connection - Record and check your expenses anytime, anywhere Start a new experience in expense management with TalkLedger. No more complicated inputs - meet the natural language expense tracker organized by AI! --- Contact & Feedback: talkledger.official@proton.me

About

Sub

Features
Read full description

Clean up your monthly expenses with Sub-Scrub! Easily manage your subscriptions, track fixed costs, and prevent unwanted renewals with our privacy-focused tracker. [Why Sub-Scrub?] - Forgot to cancel a trial and got charged? - Don't know how much you spend on subscriptions in total? - Want to keep certain subscriptions private? Sub-Scrub solves these problems simply and securely. [Key Features] โ—† Visualize Your Expenses Automatically calculate your monthly and yearly total. Seeing the numbers is the first step to saving money. โ—† Renewal Reminders Get notified 3 days before a payment is due. Never pay for an unused service again. โ—† Secret Mode (Premium) Hide private subscriptions behind a passcode or FaceID. Includes a "Camouflage" feature to disguise notification messages as system updates, keeping your privacy secure even on the lock screen. โ—† Secure & Private All data is stored locally on your device. No external servers, no data leaks. [Get Started] Add your subscriptions now and start decluttering your fixed costs!

Screenshots

TalkLedger4 screens
Sub3 screens

Verdict

The call

The clearest difference is in-app purchases: TalkLedger at none against Sub's 1. TalkLedger also leads on update cadence (daily vs every 8 days). Sub's advantage is iOS requirement (17.6 vs 26.0). On price, ads and device support 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. Sub sells 1 one-off in-app purchase. TalkLedger asks for nothing beyond the download.

UpkeepUpdate frequency

TalkLedger ships an update daily, Sub every 8 days. The most recent releases landed on September 26, 2026 and May 28, 2026 respectively.

Scorecard3 real differences ยท 3 level
TalkLedger versus Sub: the parameters behind the verdict, then further details
ParameterTalkLedgerSub
PriceFreeFree
Update frequencyDaily โ€” betterEvery 8 days
AdsYesYes
In-app purchasesNo โ€” betterYes
DevicesiPhoneiPhone
Requires iOS26.017.6 โ€” better
Further details โ€” not scored
Size11 MB5 MB
Age rating4+9+
DeveloperKim Sang sunTaisei Matsuo

In-app purchases

None

TalkLedger

No in-app purchases

1 purchases

Sub

One-time1
  • Premium Plan$2.99

Questions

Is TalkLedger free?
TalkLedger is free to download, with no in-app purchases.
Is Sub free?
Sub is free to download, with in-app purchases available.
Do TalkLedger or Sub have ads?
Both TalkLedger and Sub show ads.
Which is updated more often, TalkLedger or Sub?
TalkLedger ships an update daily, and Sub every 8 days. Most recently, TalkLedger was updated on September 26, 2026 and Sub on May 28, 2026.

Other comparisons