ClearDues vs Step+wise

Take control of your subscriptions with ClearDues, a privacy-first subscription tracker designed exclusively for iOS. No bank connections, no servers, no tracking—just beautiful, native design and complete control over your financial data. WHY CLEARDUES? In a world where every finance app demands access to your bank accounts, ClearDues takes a different path: your data stays yours. We never connect to bank APIs, never see your financial information, and never track you. Everything is stored securely on your device. STUNNING NATIVE DESIGN - Liquid Glass aesthetic with translucent interfaces that adapt to your wallpaper - Pseudo-cards to organize subscriptions by payment method - Beautiful charts and visual analytics for spending insights - Full support for Light and Dark modes with ambient glow effects - Feels like a natural part of iOS, not a third-party app SMART FEATURES - AI Bill Scanner: Point your camera at any receipt and Vision AI extracts subscription details automatically—all processed on-device - Trial Tracking: Lock Screen Live Activities countdown the days until trials expire, so you never get charged unexpectedly - Calendar Integration: See upcoming bills alongside your life events in Apple Calendar - Spending Reports: Beautiful charts show monthly vs yearly breakdowns, top expenses, and spending trends - Interactive Widgets: Access upcoming dues right from your Home Screen DEEPLY INTEGRATED - Siri Shortcuts: "Hey Siri, what's due this week in ClearDues?" - Home Screen Widgets: Quick access to your subscription overview - Control Center Widgets: Add subscriptions and view monthly totals (iOS 18+) - Live Activities: Real-time trial countdowns on your Lock Screen PRIVACY FIRST - Local Storage: All data stored on-device with SwiftData—nothing touches the cloud - Biometric Security: Optional FaceID/TouchID protection for sensitive data - Privacy Veil: App content automatically hidden in the App Switcher - Zero Analytics: No tracking, no telemetry, no data collection. Ever. PERFECT FOR - Anyone tired of surprise subscription charges - Privacy-conscious users who refuse to link bank accounts - People managing multiple streaming services, SaaS tools, or memberships - Users who want beautiful, native iOS experiences Built entirely with SwiftUI, SwiftData, WidgetKit, and the latest Apple technologies, ClearDues showcases what's possible when privacy meets premium design. Your financial data belongs to you. Full stop.

Most teachers hear “your benefits are great,” but rarely see what that actually means in dollars. Stepwise turns your inputs into clean projections and simple income estimates, so you can understand where you’re headed and what changes matter. What Stepwise does Retirement projection: See how your TDA balance could grow over time based on contributions and assumed returns. Pension estimator: Get a simplified TRS-style pension estimate using age, service credit, and salary assumptions. Monthly income view: Combine pension + TDA into a monthly retirement income estimate. Snapshots & tracking: Add statement snapshots to see performance and contributions over time. Built for teachers: Language and assumptions are designed around how NYC educators actually think about retirement. Important notes Stepwise is an educational planning tool — not financial advice. It uses simplified assumptions and may not match TRS calculations, taxes, healthcare costs, contract step changes, or distribution rules.