Comparison

SaveOnSub Subscription Tracker vs Refinance Calculator

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

Head to head
About

SaveOnSub Subscription Tracker

Effortlessly manage your recurring expenses by tracking, reviewing, and organizing all your subscriptions in one place. Smart import features help detect potential charges from receipts and bills, while a dedicated dashboard alerts you to upcoming renewals and price changes.

Highlights
  • Smart Import for receipts and bills
  • Needs Attention dashboard
  • Subscription tracking
  • Renewal reminders
  • Trial Watch
  • Spending overview
  • Payment method tracking
Features
Read full description

Find, track and review recurring charges with SaveOnSubs. Start with a receipt, screenshot, PDF, CSV, spreadsheet or statement export. SaveOnSubs analyzes the file on your device, identifies likely recurring charges and lets you review every result before it is added to your tracker. No bank connection is required. KNOW WHAT YOU ARE PAYING - Track subscription amounts, billing cycles, renewal dates, categories and notes. - See estimated monthly and annualized spend, with different currencies kept separate. - Review upcoming renewals and trial endings. - Get basic reminders before tracked renewal dates. REVIEW BEFORE SAVING - Correct the merchant, amount, currency, billing cycle and payment date. - Review possible duplicates and price changes across imports. - Keep reviewed corrections when importing the same file again. - Add subscriptions manually whenever an import is incomplete. ACT ON YOUR FINDINGS - Work through renewal and import-review tasks with snooze and review controls. - Use Premium provider-specific cancellation and plan-review guidance. - Open official provider pages and check guide freshness. - Confirm a cancellation yourself after completing the provider steps. - Review confirmed savings separately from your current spending. PRIVACY AND CONTROL Original import files and OCR are processed on your device, not uploaded by Smart Import. Structured local import history helps identify recurring charges and preserves reviewed corrections. Clear imported results and this history in Settings. Confirmed subscription records sync to your account. Optional usage analytics is off by default. Hide financial amounts in notifications, use device authentication, get help through FAQs and user-reviewed email, and delete your account in the app. FREE AND PREMIUM Free accounts can track up to three active subscriptions, review imports and use basic renewal reminders. Premium adds unlimited tracking, provider-specific cancellation guidance, detailed analytics, custom reminder timing, confirmed-savings tools and CSV export. Monthly and annual plans are available. Eligible subscribers may receive a seven-day free trial; the paywall shows your actual offer, localized price and billing period before purchase. Payment is charged to your Apple Account at confirmation of purchase, or after any eligible free trial. Subscriptions renew automatically unless canceled at least 24 hours before the current period ends. Your account is charged for renewal within 24 hours before the end of the period. Manage or cancel in Apple account settings. SaveOnSubs provides tracking and informational guidance. It does not connect to your bank, cancel services on your behalf or provide financial advice. Verify detected charges, renewal dates and provider policies before acting. Privacy Policy: https://www.dakbas.com/saveonsubs/privacy-policy.html Terms of Use: https://www.dakbas.com/saveonsubs/terms-of-use.html

About

Refinance Calculator

This app helps you compare loan rates and payment scenarios to understand borrowing options. Explore different loan terms, save comparisons, and see how rate changes impact total cost. It provides calculation and comparison tools for evaluating financing options.

Highlights
  • Compare interest rates and monthly payments
  • Explore different loan terms
  • Save and export comparisons
  • Understand rate change impact on total cost
  • Unlock premium features with one-time purchase
Features
Read full description

See your savings instantly before your refinance. RateShift helps you compare loan rates and payments so you can make better decisions with confidence. Use RateShift to: • Compare interest rates and monthly payments • Explore loan terms and scenarios • Save and compare scenarios side-by-side • See how rate changes impact your total cost RateShift is designed for individuals who want clarity when evaluating loans and financing options. The app provides calculation and comparison tools only and does not offer financial advice or recommendations. Premium Access RateShift offers an optional one-time, non-consumable in-app purchase to unlock premium features. • Payment is charged once to your Apple ID • No subscriptions or recurring charges • Purchase can be restored on supported devices Terms of Use: https://sites.google.com/view/rateshift/terms-of-use Privacy Policy: https://sites.google.com/view/rateshift/privacy-policy

Screenshots

SaveOnSub Subscription Tracker4 screens
Refinance Calculator3 screens

Verdict

The call

The clearest difference is update cadence: Refinance Calculator at every 3 weeks against SaveOnSub Subscription Tracker's every 2 months. SaveOnSub Subscription Tracker's advantage is iOS requirement (17.6 vs 26.2). On price, review sentiment, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SaveOnSub Subscription Tracker sells 2 in-app purchases, starting at $4.99 per month and Refinance Calculator sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SaveOnSub Subscription Tracker ships an update every 2 months, Refinance Calculator every 3 weeks. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

Scorecard2 real differences · 8 level
SaveOnSub Subscription Tracker versus Refinance Calculator: the parameters behind the verdict, then further details
ParameterSaveOnSub Subscription TrackerRefinance Calculator
PriceFreeFree
Rating—5.0 (4 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings—4 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS17.6 — better26.2
Further details — not scored
Size29 MB2 MB
Age rating4+4+
Developerlutfu dogan akbasTARIUS HOLT

Customer experience

SaveOnSub Subscription Tracker

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Refinance Calculator

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

SaveOnSub Subscription Tracker

Subscriptions2
  • 1 Month Subscription7 Days trial$4.991 Month
  • 1 Year Subscription7 Days trial$49.991 Year
1 purchases

Refinance Calculator

One-time1
  • RateShift Premium$7.99

Questions

Is SaveOnSub Subscription Tracker free?
SaveOnSub Subscription Tracker is free to download, with in-app purchases available.
Is Refinance Calculator free?
Refinance Calculator is free to download, with in-app purchases available.
Do SaveOnSub Subscription Tracker or Refinance Calculator have ads?
Neither SaveOnSub Subscription Tracker nor Refinance Calculator shows ads.
Which is updated more often, SaveOnSub Subscription Tracker or Refinance Calculator?
SaveOnSub Subscription Tracker ships an update every 2 months, and Refinance Calculator every 3 weeks. Most recently, SaveOnSub Subscription Tracker was updated on October 31, 2026 and Refinance Calculator on November 5, 2026.

Other comparisons