Comparison

SubCal vs 房贷宝

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

Head to head
About

SubCal

Visualize all your subscription renewal dates on a calendar, track your spending trends, and gain insights into where your money goes. Easily categorize and manage unlimited subscriptions with smart tracking features.

Highlights
  • Calendar view of renewals
  • Track unlimited subscriptions
  • Spending analytics and trends
  • Categorize subscriptions
  • Multi-currency support
  • Pause/cancel subscriptions
Features
Read full description

Take control of your subscriptions. See every renewal on a calendar, track spending trends, and never get surprised by unexpected charges again. ■ Calendar View • Visual calendar showing all renewal dates at a glance • Swipe to navigate months effortlessly • Tap any date to see which subscriptions renew • Monthly spending totals displayed prominently ■ Smart Tracking • Track unlimited subscriptions with Pro • Support for weekly, monthly, quarterly, and yearly billing cycles • Pause, cancel, or reactivate subscriptions with one tap • Multi-currency support with exchange rate conversion ■ Spending Analytics • Monthly and yearly spending breakdowns • 6-month spending trend visualization • Category-based insights to see where your money goes • Compare spending month-over-month ■ Stay Organized • Categorize subscriptions: Entertainment, Productivity, Music, and more • Search and sort your subscription list • Add notes and payment method details • App Store lookup to quickly add subscriptions Download now and finally see the full picture of your subscription spending. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.freeprivacypolicy.com/live/346fc85e-9df0-4fec-ad73-4efbeae3859f

About

房贷宝

Features
Read full description

【核心功能】 - 三种贷款类型:商业贷款、公积金贷款、组合贷款,覆盖常见购房场景。 - 双还款方式:等额本息与等额本金自由切换,对比月供与总利息差异。 - 利率灵活:支持 LPR 加基点与基准利率倍数,贴合各地房贷政策。 - 完整还款计划:逐月本金、利息与剩余本金,按自然年折叠查看。 - 个性主题:明亮 / 暗黑 / 跟随系统,橙色主题随心。 - 隐私安全:计算在本机完成,不收集、不上传个人信息。 【适用场景】 - 购房预算:先把月供算清楚,量力而行做决策 - 方案对比:等额本息 vs 等额本金,看清利息差异 - 组合贷测算:商贷与公积金如何搭配更合适 - 还款规划:每月还多少、总利息多少,提前规划

Screenshots

SubCal4 screens
房贷宝4 screens

Verdict

The call

The clearest difference is update cadence: SubCal at weekly against 房贷宝's monthly. 房贷宝's advantage is iOS requirement (16.0 vs 18.0). On price, ads, in-app purchases and device support 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. SubCal sells 3 in-app purchases, starting at $0.99 per month and 房贷宝 sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SubCal ships an update weekly, 房贷宝 monthly. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
SubCal versus 房贷宝: the parameters behind the verdict, then further details
ParameterSubCal房贷宝
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings3 — better—
Update frequencyWeekly — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.0 — better
Further details — not scored
Size12 MB2 MB
Age rating4+4+
Developerrenwei hanWuhan Xingyun Technology Co., Ltd.

In-app purchases

3 purchases

SubCal

Subscriptions2
  • SubCal Pro Monthly$0.991 Month
  • SubCal Pro Yearly$4.991 Year
One-time1
  • SubCal Pro Lifetime$6.99
1 purchases

房贷宝

One-time1
  • FangDaiBao Pro$0.99

Questions

Is SubCal free?
SubCal is free to download, with in-app purchases available.
Is 房贷宝 free?
房贷宝 is free to download, with in-app purchases available.
Do SubCal or 房贷宝 have ads?
Neither SubCal nor 房贷宝 shows ads.
Which is updated more often, SubCal or 房贷宝?
SubCal ships an update weekly, and 房贷宝 monthly. Most recently, SubCal was updated on October 24, 2026 and 房贷宝 on October 24, 2026.

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