Comparison

Keepy vs Substract

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

Head to head
About

Keepy

Features
Read full description

Simplify your financial life with Keepy, the all-in-one app to manage your daily expenses, track your subscriptions, and organize your loyalty cards. Designed for iOS, Wallet seamlessly integrates with your Apple ecosystem, offering iCloud synchronization, interactive widgets, and support for the latest iOS 18 features. Key Features: Expense & Budget Management Track every transaction with ease. Set monthly budgets by category and never overspend again. View detailed monthly reports and intuitive charts to understand where your money goes. Get smart insights into your spending habits. Subscription Tracking Never miss a renewal again. Wallet notifies you before payment is due. Analyze monthly and yearly costs of your services. Identify unused subscriptions to save money. Loyalty Cards Always With You Digitize all your cards: scan the barcode and leave your wallet at home. Smart Geolocation: Receive a notification with your loyalty card as soon as you're near the store. Quickly access your favorite cards via Widgets and Live Activities. Security & Privacy Protect your data with Face ID or Touch ID. Your data is yours: secure synchronization via your private iCloud account. Family Sharing support: share cards and expenses with your loved ones (requires CloudKit). Design & Technology Modern and clean interface, optimized for iOS 18. Dark Mode support. Home Screen and Lock Screen widgets. Apple Watch app to keep your cards always on your wrist. Download Keepy today and take control of your finances! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://github.com/SimoWZ/Wallet-iOS-Public/blob/main/PRIVACY_POLICY.md

About

Substract

Features
Read full description

The average American wastes $32/month on subscriptions they forgot about or stopped using. Substract shows you exactly which ones — and helps you cancel before the next charge. Connect your Gmail to automatically find all your subscriptions — no manual entry needed. Substract scans your inbox and imports everything in seconds. Track all your subscriptions in one place, see how much you spend every month and year, and get reminders before subscriptions renew. Substract also provides smart insights to help you identify subscriptions you may have forgotten and discover ways to save money by switching to better plans. Key Features • Scan your inbox: Automatically find subscriptions from your Gmail • Portfolio Health Score: See how well you're managing your subscriptions • Free trial tracking: Never miss a trial-to-paid conversion • Smart check-ins: Know which subscriptions you're not actually using • Track unlimited subscriptions • Renewal reminders before subscriptions renew • Monthly and yearly spending insights • Discover cheaper alternatives and save money • Clear overview of your recurring expenses Whether you're managing streaming services, productivity apps, or memberships, Substract gives you clarity and control over your subscription spending. Privacy Policy: https://getsubstract.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Keepy4 screens
Substract4 screens

Verdict

The call

The clearest difference is ads: Keepy at none against Substract's shown. Substract's advantage is update cadence (every 2 days vs every 9 days) and iOS requirement (15.1 vs 17.0). On price, in-app purchases and device support there is nothing between them.

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Keepy sells 3 in-app purchases, starting at $1.99 per month and Substract sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Keepy ships an update every 9 days, Substract every 2 days. The most recent releases landed on September 17, 2026 and August 25, 2026 respectively.

Scorecard3 real differences Ā· 3 level
Keepy versus Substract: the parameters behind the verdict, then further details
ParameterKeepySubstract
PriceFreeFree
Update frequencyEvery 9 daysEvery 2 days — better
AdsNo — betterYes
In-app purchasesYesYes
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size61 MB52 MB
Age rating4+4+
DeveloperSimone VillaGOKHAN DEMIRER

In-app purchases

3 purchases

Keepy

Subscriptions2
  • Pro Monthly$1.991 Month
  • Pro Annual - 7 days free7 Days trial$9.991 Year
One-time1
  • Lifetime Access$24.99
2 purchases

Substract

Subscriptions2
  • Premium Monthly14 Days trial$4.991 Month
  • Premium Yearly14 Days trial$29.991 Year

Questions

Is Keepy free?
Keepy is free to download, with in-app purchases available.
Is Substract free?
Substract is free to download, with in-app purchases available.
Do Keepy or Substract have ads?
Substract shows ads; Keepy does not.
Which is updated more often, Keepy or Substract?
Keepy ships an update every 9 days, and Substract every 2 days. Most recently, Keepy was updated on September 17, 2026 and Substract on August 25, 2026.

Other comparisons