Comparison

SubWise vs Payday

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

Head to head
About

SubWise

Read full description

Take Control of Your Subscriptions SubWise helps you track, manage, and optimize all your recurring payments in one place. Never lose track of subscriptions or overpay for services you forgot about. Advanced Analytics & Insights SubWise offers professional-grade analytics with interactive visualizations: • Visual spending breakdowns by category, payment method, and profile • Payment heatmap calendar showing your entire year at a glance • Monthly and yearly cost analysis with automatic currency conversion • Subscription growth tracking over time • Smart insights identifying your most expensive subscriptions and potential savings Smart Notifications Never miss a payment or forget to cancel a free trial: • Payment reminders before bills are due • Free trial ending alerts • Renewal notifications for all subscription services • Customizable notification timing Payment Calendar & Heatmap Our unique payment heatmap shows your subscription activity across the entire year: • Monthly calendar view of upcoming payments • Annual payment heatmap with visual indicators • Detailed payment history tracking • Easy drill-down to see payment details 100+ Preset Services Add subscriptions in seconds with our extensive preset library covering: • Streaming services • Productivity tools and software • Cloud storage providers • Music and entertainment • Fitness and wellness • Gaming platforms • Security and VPN services • And many more Each preset includes logos, brand colors for quick setup. Multi-Currency Support Track subscriptions in any currency: • Support for over 100 world currencies • Real-time currency conversion for accurate budget tracking • Perfect for managing international subscription services • View total spending in your preferred currency Backup & Data Management Your data, your control: • CSV export for all subscriptions and payment history • CSV import for bulk adding subscriptions • Easy backup and restore functionality • All subscription data stored locally on your device for maximum privacy Powerful Organization • Custom categories for organizing your subscriptions • Multiple profiles for personal, work, and family expenses • Payment method tracking • Color coding and custom icons • Smart search and filtering across all subscriptions Privacy First Your subscription data stays on your device. SubWise does not collect or share your financial information. Everything is stored locally for maximum privacy and security. SubWise Pro Upgrade to SubWise Pro for unlimited features: • Unlimited subscriptions (Free plan limited to 5) • Advanced analytics with interactive treemaps • Subscription growth tracking and insights • Annual payment heatmap visualization • CSV backup and restore • Multiple profiles for better organization Try SubWise Pro free for 5 days. Choose from monthly, yearly, or lifetime plans. Whether you're managing personal subscriptions, family expenses, or work-related services, SubWise helps you: • Stop overpaying for forgotten subscriptions • Track all recurring payments in one place • Visualize spending with advanced analytics • Get notified before free trials convert to paid subscriptions • Manage your budget with accurate cost projections • Export and backup all your subscription data • Maintain complete privacy with local data storage Download SubWise today and start taking control of your subscription spending. Privacy Policy: https://sub.wiseapps.ch/privacy-policy Terms of Use: https://sub.wiseapps.ch/terms-of-service

About

Payday

Consolidate all your earnings, from salaries to freelance payments, into a single, clear global overview. Visualize your income sources and monthly progress on an interactive map, with options for manual entry, saved details, or CSV import.

Highlights
  • Global income overview
  • Track salary, freelance, and platform payouts
  • Interactive income map visualization
  • Monthly earnings and goal progress
  • Manual, saved, or CSV income entry
  • On-device statement screenshot interpretation
  • Multi-currency income tracking
Features
Read full description

Payday - Global Money Tracker Different currencies. Different paydays. One clear view of your money. Payday helps you manage income and expenses across currencies. Track what comes in, what goes out, and what’s left. All with an interactive globe that brings your income to life. From international client payments to your regular salary and side gigs, keep your money in view without keeping up with another spreadsheet. YOUR INCOME. ALL TOGETHER. Different sources don’t have to mean scattered records. • Track client payments, salaries, project income, and platform payouts. • Reuse saved clients to make adding payments faster. • Review your income by source and month. • Keep recent payments easy to find. KNOW WHAT’S LEFT Getting paid is only part of the picture. Track what goes out, too. • Log work tools, software, supplies, and daily spending. • Sort expenses by category. • Compare your income and expenses. • See what’s left after the expenses you’ve logged. DIFFERENT CURRENCIES. ONE CLEAR VIEW. Earn in one currency and spend in another? Keep your entries’ original amounts and currencies while viewing estimated totals in your chosen home currency. Currency conversions use European Central Bank reference rates. Payday tracks your money—it doesn’t hold, send, or exchange it. PUT YOUR INCOME ON THE MAP See where each payday begins. Add countries to your income sources and explore where your payments come from on an interactive globe. Whether your income comes from close to home or across the world, bring it into one view. SEE THE BIGGER PICTURE Turn everyday records into a clearer picture of your money. • Review income and expenses with reports and pie charts. • Filter by month or year. • Export your records to CSV for your own spreadsheets or to share with your accountant. LESS TYPING. MORE TRACKING. Spend less time entering numbers and more time doing your thing. • Add income and expenses manually. • Import multiple entries from CSV. • Scan receipts, invoices, or statement screenshots. • Speak an income or expense entry with dictation. On supported devices, Apple Intelligence helps turn scans and spoken details into entries. Processing happens on your device, and you can check the details before saving. MAKE YOUR GLOBE YOURS Pick a globe that feels like you. Choose Monochrome, Champagne Gold, or Blue Earth, or explore playful designs like Voxel Earth, Matcha Mochi, and Moon Mallow. CELEBRATE EVERY PAYDAY You did the work. Take the win. Add your income and watch your globe light up with animated routes and colorful fireworks. A little celebration for every payday. ONE PAYMENT. YOUR EVERYDAY TRACKER. Download Payday for free and explore it with read-only demo data. Unlock Payday Pro with a one-time purchase to add income and expenses and use the full tracking features. No subscription. Premium globe designs are sold separately as optional one-time purchases. Already bought Payday as a paid app? Your previous purchase unlocks the core tracking features at no extra cost. Use Restore to recover your access. YOUR RECORDS. ON YOUR DEVICE. No Payday account required. Your income and expense records stay on your device, and everyday tracking works offline. Internet access is needed for purchases, restoring access, and refreshing exchange rates. Optional advertising measurement does not include your income or expense records. Your money. Your world. Your Payday. IMPORTANT: Apple Intelligence features require a supported device with Apple Intelligence enabled and available in a supported language. Terms: https://payday.josieai.com/terms.html Privacy: https://payday.josieai.com/privacy.html

Screenshots

SubWise4 screens
Payday4 screens

Verdict

The call

The clearest difference is ads: SubWise at none against Payday's shown. SubWise also leads on update cadence (daily vs every 11 days) and iOS requirement (15.1 vs 18.0). On price, in-app purchases and device support 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. SubWise sells 3 in-app purchases, starting at $2.99 per month and Payday sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SubWise ships an update daily, Payday every 11 days. The most recent releases landed on October 25, 2026 and October 26, 2026 respectively.

Scorecard3 real differences · 5 level
SubWise versus Payday: the parameters behind the verdict, then further details
ParameterSubWisePayday
PriceFreeFree
Positive reviews—100.0% of reviews
Update frequencyDaily — betterEvery 11 days
AdsNo — betterYes
In-app purchasesYesYes
Monetization—Paid
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better18.0
Further details — not scored
Size45 MB28 MB
Age rating4+4+
DeveloperLuca GerberFrance Pastrana

In-app purchases

3 purchases

SubWise

Subscriptions2
  • SubWise Pro Monthly$2.991 Month
  • Subwise Pro Yearly3 Days trial$14.991 Year
One-time1
  • SubWise Pro Lifetime$39.99
4 purchases

Payday

One-time4
  • Voxel Earth$0.99
  • Matcha Mochi$0.99
  • Moon Mallow$0.99
Show 1 more
  • Payday Full Access$9.99

Questions

Is SubWise free?
SubWise is free to download, with in-app purchases available.
Is Payday free?
Payday is free to download, with in-app purchases available.
Do SubWise or Payday have ads?
Payday shows ads; SubWise does not.
Which is updated more often, SubWise or Payday?
SubWise ships an update daily, and Payday every 11 days. Most recently, SubWise was updated on October 25, 2026 and Payday on October 26, 2026.

Other comparisons