Comparison

EMI & Subscriptions Tracker vs Subcharge Subscription Tracker

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

Head to head
About

EMI & Subscriptions Tracker

Features
Read full description

EMI Tracker & Loan Manager: Track bank EMIs, credit card EMIs, personal loans, bike loans, and phone EMIs See total outstanding amount, paid EMIs, and remaining EMIs Know your next EMI due date at a glance Clear breakdown of principal, interest, and balance Track EMI progress visually Perfect for anyone looking for an EMI tracker app in India. Subscription Tracker: Track all your monthly and yearly subscriptions See your average monthly subscription spending Categorize subscriptions (Entertainment, Utilities, Storage, etc.) Know exactly where your money goes every month Ideal if you want a subscription tracker app to avoid silent money leaks. Smart EMI Calculator: Calculate EMI instantly based on principal, interest rate, and tenure See total payable amount and interest cost Built-in affordability check based on your income Visual chart for better understanding Useful as both an EMI calculator and loan affordability calculator. Stay on Track: Clear EMI status: On track, Due soon, Completed See upcoming payments before they surprise you Designed to reduce missed payments and stress Backup & Sync: Secure cloud backup Sync your data across devices Your data stays private Clean, Fast & Private: No Ads No unnecessary permissions Offline-friendly Clean, modern dark UI Built for speed and clarity Who is this app for? People managing multiple EMIs Anyone paying monthly subscriptions Users looking for a simple expense & EMI tracker People who hate ads in finance apps Anyone who wants control over money without complexity Popular Use Cases: EMI tracker for loans EMI calculator India Subscription manager Monthly expense tracking Loan repayment planning EMI & Subs Tracker (No Ads) helps you stop guessing and start knowing where your money goes. Download now and take control of your EMIs and subscriptions — the smart way.

About

Subcharge Subscription Tracker

This app helps you manage all your subscriptions, bills, and cards in one secure place. It provides reminders before charges, tracks upcoming payments, and offers guides to help you cancel unwanted services.

Highlights
  • Subscription and bill tracking
  • Renewal and trial-ending reminders
  • Calendar view of upcoming charges
  • Automated receipt detection
  • Cancellation guides
  • Encrypted card vault
Features
Read full description

Subcharge keeps your subscriptions, bills, cards, expenses and budgets in one private place, so you always know what is charging you, how much, and when. EVERY RENEWAL IN ONE VIEW See what you pay each month, what renews next and a calendar of what is coming up. Get a reminder before a renewal, a card bill or the end of a free trial, then mark it paid in one tap. SPENDING AND BUDGETS Log an expense in seconds from a keypad. Set a budget and see what is left to spend, and how much per day. Track your accounts and cards, move money between them, and see where your money goes by category and account. A PRIVATE CARD VAULT Keep your cards in the Vault to follow bills and due dates. Card numbers are end-to-end encrypted with a key only you hold, and a 12-word recovery phrase brings them back on a new device. We cannot see them. ADD THINGS YOUR WAY Pick from a catalog of popular services, type or paste a line such as "Music 9.99 monthly", or import from a screenshot or a statement. Text you paste is read on your iPhone and is never uploaded. You can also forward receipts to your private Subcharge address and review what it finds. RIGHT ON YOUR HOME SCREEN Widgets show your next renewals and what is left to spend, or log an expense in one tap. Open the keypad from Control Center, the Lock Screen or the Action button. A Live Activity keeps what is due today in view, and Siri can tell you what is due next. ONE ACCOUNT, ALL YOUR DEVICES Sign in and your subscriptions, expenses and cards stay in sync across your devices. ALSO INCLUDED - Renewal, free trial and card bill reminders - A calendar of upcoming charges - Many currencies, with exchange rates - Step-by-step guides to cancel a service - Available in 11 languages - No ads FREE AND PRO Free includes up to 3 subscriptions and 3 cards, unlimited expenses and one budget to try. Pro unlocks unlimited subscriptions, cards and budgets, spending reports, CSV export, encrypted receipts on expenses, imports from a screenshot, a file or pasted text, automatic detection, and automatic encrypted iCloud backup. A free trial may be available. SUBSCRIPTION TERMS Subcharge Pro is an optional auto-renewing subscription with monthly and yearly plans. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it any time in your App Store account settings. Terms of Use: https://subcharge.aierlabs.com/terms Privacy Policy: https://subcharge.aierlabs.com/privacy Subcharge is made by Aier Labs.

Screenshots

EMI & Subscriptions Tracker4 screens
Subcharge Subscription Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: EMI & Subscriptions Tracker at none against Subcharge Subscription Tracker's 2. Subcharge Subscription Tracker's advantage is update cadence (every 3 days vs weekly). On price, ads, device support and iOS requirement 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. Subcharge Subscription Tracker sells 2 in-app purchases, starting at $0.99 per month. EMI & Subscriptions Tracker asks for nothing beyond the download.

UpkeepUpdate frequency

EMI & Subscriptions Tracker ships an update weekly, Subcharge Subscription Tracker every 3 days. The most recent releases landed on September 24, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
EMI & Subscriptions Tracker versus Subcharge Subscription Tracker: the parameters behind the verdict, then further details
ParameterEMI & Subscriptions TrackerSubcharge Subscription Tracker
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size38 MB55 MB
Age rating4+4+
DeveloperSanthosh ShankarShahroz Ahmad

In-app purchases

None

EMI & Subscriptions Tracker

No in-app purchases

2 purchases

Subcharge Subscription Tracker

Subscriptions2
  • Pro Monthly1 Month trial$0.991 Month
  • Pro Yearly1 Month trial$9.991 Year

Questions

Is EMI & Subscriptions Tracker free?
EMI & Subscriptions Tracker is free to download, with no in-app purchases.
Is Subcharge Subscription Tracker free?
Subcharge Subscription Tracker is free to download, with in-app purchases available.
Do EMI & Subscriptions Tracker or Subcharge Subscription Tracker have ads?
Neither EMI & Subscriptions Tracker nor Subcharge Subscription Tracker shows ads.
Which is updated more often, EMI & Subscriptions Tracker or Subcharge Subscription Tracker?
EMI & Subscriptions Tracker ships an update weekly, and Subcharge Subscription Tracker every 3 days. Most recently, EMI & Subscriptions Tracker was updated on September 24, 2026 and Subcharge Subscription Tracker on October 10, 2026.

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