Payitly vs Valu Jo

Keep subscriptions, bills, memberships, and recurring payments in one simple, private app. See where your money goes, what’s coming next, and how much you’ll spend over time. WHAT YOU CAN TRACK • Subscriptions — Spotify, Netflix, iCloud, streaming, SaaS and more • Bills — rent, electricity, water, internet, phone, insurance • Memberships — gym, clubs, magazines, services • Custom payments — anything recurring, weekly, monthly or yearly A DASHBOARD THAT ACTUALLY HELPS • Spent this month — exactly what you’ve paid during the current calendar month, updated with each new payment and reset on the 1st • Yearly forecast — how much these payments will cost over the next 12 months • Next 7 days — see what’s coming from your card this week • Spend trajectory — see how your spending changes over 30 days, 3 months, 6 months or a full year • Category breakdown — find where you’re spending the most CALENDAR See all upcoming payments by date. Tap any day to see what’s due and what has already been paid. SPENDING INSIGHTS Stop guessing whether your spending is going up or down. See it directly. • Switch between 7-day, 30-day, 3-month, 6-month and 12-month views • See whether you’re spending more or less than in the previous period • A donut chart groups payments by category — software, music, video, fitness, utilities and more • See your largest payment and its real yearly cost to decide whether it’s still worth it SMART REMINDERS Set up to 3 reminders for each payment, each at its own time. Get reminded the night before, in the morning or 3 days ahead. FULL PAYMENT HISTORY Every payment is saved and searchable. Filter by date, service, category or amount. Find patterns, spot incorrect charges or see what you actually spent last year. MULTI-CURRENCY Track payments in USD, EUR, GBP, PLN, JPY, CAD, AUD, CHF, CNY, INR and more. Live exchange rates automatically convert everything to your main currency. IMPORT, EXPORT, OWN YOUR DATA Already have a list somewhere else? Import it via CSV. Need a backup or want to move to a spreadsheet? Export all your subscriptions and payments with one tap. Your data is yours. BUILT FOR FOCUS • Simple, distraction-free design with a full dark mode that follows your system • 7 languages — English, Polish, Spanish, French, German, Hindi, Chinese • Apple Watch — see your next payments on your wrist • Apple Sign-In and Google Sign-In — get started quickly without remembering passwords PRIVATE BY DEFAULT Your data is yours. Payitly doesn’t sell, share, or analyze your spending for advertisers. No third-party trackers. No ads. Delete your account anytime and your data will be deleted too. CONTACT Have a question or feature request? Contact us: Question? payitly.com/contact/ Privacy Policy: payitly.com/privacy-policy/ Terms of Service: payitly.com/terms-of-service/ PAYITLY PRO Track more than 3 payments. Free trial, cancel anytime. Stop wondering where your money goes. Start seeing it.

Valu is The Universal Financial Technology Powerhouse, providing cutting-edge financial solutions and services that empower individuals to pursue their aspirations. At its core, Valu offers a Buy Now, Pay Later (BNPL) and a lifestyle-enabling solution that gives you seamless access to what you need, when you need it. Shop across a wide network of merchants and enjoy flexible payment plans tailored to your lifestyle. With a fully digital experience, Valu allows you to split your purchases, manage your payments, and stay in control, all in one place. Whether it’s everyday essentials or bigger purchases, Valu makes it easier to access more with flexibility and convenience.