Purchy vs Subtle

Your bank already knows what you spend. Purchy reads it and tells you what's coming. Connect an account and Purchy pulls your real charges — the recurring ones, the ones that renew quietly, the ones you meant to cancel months ago. Add your inbox second and each charge gets its receipt: what you bought, what the bill is supposed to be, and how long you have to send it back. Night watch for your money. The Perch Your day in one card. Available balance, today's budget, and the days left until your next paycheck. Purchy finds the paycheck in your own transaction history, sets aside the bills due before it, and divides what's left across the days remaining. Spend nothing today and tomorrow's number goes up. At a glance A month calendar with a figure on every day — what posted, what's due, payday, return deadlines. Next 7 and next 30 totals sit above it, and tapping a day tells you what lands on it. Recurring review Purchy shows you the charges it found and asks one thing at a time: keeping it, cancelling it, or not yours. It only asks about the ones that could still bill you this cycle, so dead subscriptions stop asking and stop counting against your budget. Before the charge, not after For a charge you said you'd deal with, Purchy pushes three days out, again two days out, and again the day before. If a bill lands well off what it usually costs, you hear about that too. Purchy calendar The charges you care about, written into the calendar app you already use, with reminders two days and one day ahead. Ask Purchy Ask about any charge and Purchy goes and reads the receipt email behind it, then links you straight to that email. Answers are generated by AI and can be wrong — the receipt is right there to check. Capture Point the camera at a paper receipt and Purchy reads it — merchant, total, date — and starts the return clock on it. Returns and receipts Purchy tracks the return window on what you bought and reminds you before it closes. Bank first, inbox second The bank is the source of truth. Your inbox explains it. Start with either one and add the other whenever you want — connecting a bank costs nothing. iPhone and iPad Purchy runs on both, from the same account. Privacy Bank access is read-only and inbox access is read-only — Purchy never moves money and never modifies your mail. Your data is used to provide the service and is not sold. Receipt and charge text is processed by AI services (OpenAI and Anthropic) to produce answers, and those answers can be wrong. What is collected and why: https://purchy.app/privacy Subscription information Purchy Pro is an auto-renewing subscription. • Monthly: $12.99/month • Yearly: $99.99/year Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically at the same price unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the period ends. Manage or cancel your subscription in your Apple Account settings after purchase. Privacy Policy: https://purchy.app/privacy Terms of Use: https://purchy.app/terms

Every subscription, finally in one place. Subtle keeps every recurring payment in one clean view: streaming, music, AI tools, the gym, domains, even that app you forgot about. It tells you what's coming before it hits your card. ADD SUBSCRIPTIONS IN SECONDS • Scan a screenshot of any receipt, paywall, or renewal email. Subtle reads it on your device and fills in the details. • Choose from a built-in catalog of 256 popular services worldwide, logos included. • Import a bank or card statement (PDF or CSV) and confirm the charges it finds. • Add anything custom with your own icon, emoji, or colour. STAY AHEAD OF EVERY RENEWAL • A clean dashboard and calendar show what renews and when. • Reminders a few days before each charge. • Home and lock screen widgets keep renewals one glance away. KNOW WHERE YOUR MONEY GOES • Monthly and yearly totals in your home currency, with automatic conversion. • Spending by category, trends over time, and simple insights. CANCEL WHAT YOU DON'T WANT • Step-by-step cancellation guides for top services, built right in. START FREE, GO PRO WHEN YOU NEED MORE Subtle is free to track your subscriptions and stay on top of renewals. Subtle Pro unlocks the advanced tools when you want them: • Unlimited subscriptions • Screenshot and statement scanning • Calendar view, statistics, and budgets • Data export and home screen widgets Subtle Pro is a yearly plan with a free trial, or a one-time lifetime purchase. Cancel anytime. PRIVATE BY DESIGN • Your data stays on your device and in your own private iCloud, so we never see it. • Screenshot scanning runs entirely on your device. Nothing is uploaded. • No bank linking, no email scanning, and no ads inside the app. Anonymous analytics only, and you can turn them off. Subtle works in light and dark mode and is built for a global audience. Privacy Policy: https://subtle.northstud.io/privacy Terms of Use: https://subtle.northstud.io/terms Questions or ideas? Email support@northstud.io