Comparison

Spending Tracker vs Substract

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

Head to head
About

Spending Tracker

Features
Read full description

Take control of your money without spreadsheets or stress. Stash Flow is a clean, fast expense tracker built for clarity - especially when spending across multiple currencies or living abroad. Most finance apps feel like homework. Stash Flow is different. It’s designed to be simple, visual, and instantly useful from the first transaction. No accounts. No data collection. Your financial information stays private on your device and is never stored on external servers. KEY FEATURES Multi-Currency Tracking Spend in any currency and track everything in one clear base currency. Perfect for travel, remote work, and daily life. See the Big Picture Beautiful charts and insights help you understand where your money goes at a glance. Smart Budget Limits Set category limits and instantly see when you’re getting close. Daily Cash Flow Track income and expenses to stay in control and avoid overspending. Deep Insights Drill into categories and discover spending patterns you didn’t notice before. Stash Flow helps you understand your money - not just track it. Download now and take back control. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Substract

Features
Read full description

The average American wastes $32/month on subscriptions they forgot about or stopped using. Substract shows you exactly which ones β€” and helps you cancel before the next charge. Connect your Gmail to automatically find all your subscriptions β€” 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 β€’ Scan your inbox: Automatically find subscriptions from your Gmail β€’ Portfolio Health Score: See how well you're managing your subscriptions β€’ Free trial tracking: Never miss a trial-to-paid conversion β€’ Smart check-ins: Know which subscriptions you're not actually using β€’ Track unlimited subscriptions β€’ Renewal reminders before subscriptions renew β€’ Monthly and yearly spending insights β€’ Discover cheaper alternatives and save money β€’ 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/

Screenshots

Spending Tracker4 screens
Substract4 screens

Verdict

The call

The clearest difference is ads: Spending Tracker at none against Substract's shown. Substract's advantage is update cadence (every 2 days vs every 4 days) and iOS requirement (15.1 vs 17.6). On price, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spending Tracker sells 3 in-app purchases, starting at $1.99 per 7 days and Substract sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spending Tracker ships an update every 4 days, Substract every 2 days. The most recent releases landed on September 9, 2026 and August 25, 2026 respectively.

Scorecard3 real differences Β· 3 level
Spending Tracker versus Substract: the parameters behind the verdict, then further details
ParameterSpending TrackerSubstract
PriceFreeFree
Update frequencyEvery 4 daysEvery 2 days β€” better
AdsNo β€” betterYes
In-app purchasesYesYes
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.615.1 β€” better
Further details β€” not scored
Size28 MB52 MB
Age rating4+4+
DeveloperOleksandr TaranovGOKHAN DEMIRER

In-app purchases

3 purchases

Spending Tracker

Subscriptions3
  • Weekly3 Days trial$1.997 Days
  • Monthly7 Days trial$3.991 Month
  • Yearly$34.991 Year
2 purchases

Substract

Subscriptions2
  • Premium Monthly14 Days trial$4.991 Month
  • Premium Yearly14 Days trial$29.991 Year

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Substract free?
Substract is free to download, with in-app purchases available.
Do Spending Tracker or Substract have ads?
Substract shows ads; Spending Tracker does not.
Which is updated more often, Spending Tracker or Substract?
Spending Tracker ships an update every 4 days, and Substract every 2 days. Most recently, Spending Tracker was updated on September 9, 2026 and Substract on August 25, 2026.

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