Yavo vs Substract

Yavo is an expense tracker you can talk to. Say "Coffee, 4.80" and the expense is saved with its category. Yavo now works for freelancers too: a separate Business space keeps your work money apart, with your tax profile, tax deadlines and clients. ADD EXPENSES WITHOUT TYPING • Voice: say what you spent in your own words and watch the words appear as you speak. Yavo picks out the amount and the category. • Receipts: snap a paper receipt and Yavo reads the merchant, total, tax and line items. • Apple Pay: set up one Shortcuts automation and every Apple Pay payment becomes an expense (iOS 17 or later). • Email: send bank statements (CSV, XLSX, PDF) and receipts to your personal Yavo address. New senders need your approval first. • Share: send receipt photos, screenshots and PDFs to Yavo from any app. • Type it: date, category, payment method and notes, when you prefer to type. • No connection? What you add is saved and sent when you are back online. Imported transactions wait in one list for your review. FOR FREELANCERS: THE BUSINESS SPACE • Business and personal money apart, each with its own Home • Business income, expenses and profit, what to set aside for tax and what is free to spend • A tax profile for any country, with built-in rules for the US (sole proprietor), Germany (Kleinunternehmer or Regelbesteuerung) and Ukraine (FOP groups 1-3 and the general system) • A tax calendar for any coutry: payment and filing deadlines, with reminders before they are due • Clients: see who paid you what this year BUDGETS AND LIMITS • A monthly budget with a daily pace, so you know what is left for today • Category limits with alerts • Savings goals with a deadline and progress • Recurring payments and subscriptions in one place DEBTS AND NET WORTH • Credit cards, loans, mortgages and car loans with payoff progress, due dates and interest • Net worth across cash, stocks and crypto, priced automatically MORE • Any currency, with totals in your main currency • Attach photos and files to any transaction • Export any period: a PDF summary, a CSV of every transaction and the receipt images, sent to your email • A notifications inbox YOUR DATA Yavo never asks for your bank login or card numbers. You decide what goes in. FREE AND PREMIUM Start for free: voice, receipt scans, email import, Apple Pay import and attachments each come with a free allowance. Premium removes the limits and adds the Business space, export and more. You can try the Business space free in the app first. Plans and prices are shown in the app before you pay. SUBSCRIPTION DETAILS Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://yavo-app.com/privacy

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/