Renewa vs WorthTrail

Renewa keeps all your financial products in one place so you never miss a renewal, get caught on a bad rate, or pay more than you need to. UK households overpay £37,331 in their lifetime simply by sticking with the same providers. Auto-renewals quietly increase your rates year after year. Renewa puts you back in control. WHAT YOU CAN TRACK Borrowing: Credit cards, mortgages, and loans with balance tracking and interest rates. Insurance: Home, car, pet, life, and travel policies with renewal dates and annual premiums. Utilities: Gas and electricity tariffs with rate end dates and monthly costs. Bills and Subscriptions: Mobile, broadband, TV/streaming, and gym contracts. Vehicle Finance: HP, PCP, PCH, salary sacrifice, and more with end dates and monthly payments. Savings: Fixed rate, Cash ISA, Stocks and Shares ISA, Premium Bonds, and regular savings with maturity dates. SMART REMINDERS Renewa sends you reminders months, weeks, and days before your products expire or need renewing. Notifications are tailored to each product type and increase in urgency as the date approaches so you always have time to act. MONTHLY SUMMARY Receive a summary notification on the 1st of each month showing how many products are expiring soon, so you stay on top of your renewals without opening the app. AUTO BALANCE TRACKING Enable balance tracking on borrowing products and Renewa estimates your remaining balance each month based on your interest rate and payments. Watch your debt reduce over time. BUILT-IN CALCULATORS Four financial tools built into the app. The debt calculator shows the true cost of borrowing and the impact of overpayments. The salary calculator works out your take-home pay with accurate HMRC tax rates, National Insurance, student loans, and pension contributions. The budget planner helps you track income and expenses to find savings. The pension forecast projects your retirement pot based on contributions and growth. CALENDAR VIEW See all your upcoming renewals on a monthly calendar. Dates are colour coded by urgency so you can spot clusters and plan ahead. Tap any day to see what needs attention. YOUR DASHBOARD Products are colour coded by urgency. Red for expiring soon, amber for upcoming, green for safe, and blue for products with no end date. Focus on what needs attention first, with safe products tucked away until you need them. OVERVIEW AND REPORTS View your total debt, net worth, and spending broken down by category. Generate a PDF annual report with spending breakdowns to share with a partner or financial adviser. Export all your data as a CSV spreadsheet at any time. QUICK ADD WITH 235+ UK PROVIDERS Add products in seconds using pre-loaded templates for over 235 UK providers. Select your provider and Renewa fills in the details so you can get set up quickly. TAKE ACTION When a product expires, tap "I've renewed this" to update it instantly with pre-filled details. Set a reminder to come back later, or mark it as cancelled. Renewa makes it easy to stay in control. SECURE AND PRIVATE Your data is protected with PIN and Face ID authentication. Renewa does not connect to your bank accounts, access your transactions, or share your data with third parties. Everything you enter stays private. Renewa is completely free with no ads, no premium tiers, and no hidden charges. Whether you are tracking one credit card or managing a full financial portfolio, Renewa helps you stay ahead and keep more of your money.

WorthTrail is a private net worth tracker. Record every asset and debt in one place, without connecting a bank account. ◆ See your whole net worth • Net worth, assets, liabilities and today's change on one page • Stocks, ETFs, funds, crypto, property, deposits, cash and debts together • Every currency converted into your base currency ◆ Understand your returns • Daily, weekly, monthly and yearly P&L on one calendar • Cost basis, realized and unrealized gains, trends and drawdowns • Automatic daily records and historical prices build your history ◆ Organize it your way • Tag groups for accounts, family members, sectors, regions or strategies • Switch views without duplicating holdings • Recurring investment plans and fixed-term deposits ◆ AI agents on Mac • The Mac version runs a local MCP server for AI agents • Ask about your net worth, holdings and returns in plain words • Agents record trades only when you allow it, after you approve a preview ◆ Reports and widgets • Excel workbooks and PDF reports for analysis and archiving • Home Screen widgets keep your net worth in view ◆ Privacy first • Your data stays on your device, with an optional private iCloud backup • No bank login, no ads, no third-party analytics SDKs • Face ID or passcode lock WorthTrail is for asset recording and analysis only. It does not provide investment advice. Market data may be delayed, incomplete or inaccurate. Please refer to your actual accounts and official data. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/