Comparison

Payify vs Subs HQ

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

Head to head
About

Payify

Features
Read full description

You're probably paying for subscriptions you forgot about. The average person wastes $32/month on forgotten subscriptions โ€” streaming trials that converted, apps they stopped using, gym memberships they never cancelled. Payify fixes that. Add your subscriptions once. Payify tracks everything and alerts you before every renewal. No bank login required. No data sold. Just your subscriptions, organized. WHY PAYIFY? - No bank account connection โ€” 100% private - Track all subscriptions and recurring bills in one place - Renewal reminders before charges hit โ€” never be surprised - Monthly and yearly spending totals at a glance - Expense breakdown by category - Budget limits and savings tracker - Visual analytics and spending insights - Clean, fast, and simple BUILT FOR PRIVACY Most subscription apps connect to your bank. Payify doesn't. You add what you want to track โ€” Netflix, Spotify, gym, rent, apps, insurance โ€” and everything stays on your device and iCloud. We never see your data. Ever. STOP OVERPAYING Free trials turn into paid subscriptions. Prices quietly increase. Annual plans auto-renew before you notice. Payify puts you back in control with smart reminders set exactly how far in advance you need them. UNDERSTAND YOUR SPENDING See your total monthly and yearly outgoings in seconds. Break down expenses by category โ€” entertainment, utilities, fitness, software โ€” and instantly see where your money is going. Set budget limits and track whether you're staying on track. PERFECT FOR - Anyone with multiple streaming services - Freelancers and remote workers tracking software subscriptions - Families managing shared bills and services - People who got burned by forgotten free trials - Anyone who wants to reduce monthly expenses without a spreadsheet Take control of your subscriptions. Save more. Stress less. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Subs HQ

Manage your recurring expenses and make informed decisions about what to keep. This app helps you track subscription costs, upcoming renewals, and provides guides to cancel unwanted services, all while prioritizing your privacy.

Highlights
  • Track monthly and annual subscription costs
  • Upcoming renewal and trial reminders
  • Visual cost map of subscriptions
  • Step-by-step cancellation guides
  • Privacy-focused design with no account needed
  • Exportable data backups
Features
Read full description

Know what you pay. Decide what to keep. Get a clear route out of the rest. Subs HQ is a private subscription tracker built to turn recurring spending into practical decisions. Add the services you pay for and see the true monthly and yearly cost, what is due next, and where the biggest savings are. FIND A PLAN TO SAVE Answer a quick set of questions about what you actually use. Subs HQ gives you a light, balanced or deeper savings option, priced per month and per year. Choose one and work through a simple checklist at your own pace. KNOW HOW TO CANCEL For supported services, open a step-by-step cancellation guide with notice periods, common retention tactics and useful warnings. If Apple or Google bills you, Subs HQ points you to the correct route so you do not cancel in the wrong place. SEE THE REAL COST โ€ข Monthly and annual totals at a glance โ€ข Upcoming renewals and trial reminders โ€ข A visual cost map of your biggest subscriptions โ€ข Clear monthly and yearly savings for every suggested change โ€ข Cancelled subscriptions kept in your history, outside current totals PRIVATE BY DESIGN โ€ข No email address and no account โ€ข No bank connection โ€ข No advertising or tracking โ€ข Subscription names, prices, notes and spending stay on your device. โ€ข On-device reminders โ€ข Exportable backup, controlled by you SIMPLE, HONEST PRICING Track up to 7 active subscriptions free. A single optional purchase unlocks unlimited subscription tracking forever. It is not another subscription. Subs HQ does not cancel services automatically or act on your behalf. Cancellation guides help you complete the process with the service or billing provider. Availability and steps vary by service and region; always check the final confirmation from the provider.

Screenshots

Payify3 screens
Subs HQ4 screens

Verdict

The call

The clearest difference is update cadence: Subs HQ at every 4 days against Payify's monthly. Subs HQ also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.6). On price, ads and in-app purchases there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Payify sells 3 one-off in-app purchases and Subs HQ sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Payify ships an update monthly, Subs HQ every 4 days. The most recent releases landed on October 25, 2026 and October 31, 2026 respectively.

Scorecard3 real differences ยท 5 level
Payify versus Subs HQ: the parameters behind the verdict, then further details
ParameterPayifySubs HQ
PriceFreeFree
Positive reviewsโ€”100.0% of reviews
Update frequencyMonthlyEvery 4 days โ€” better
AdsNoNo
In-app purchasesYesYes
Monetizationโ€”Free with in-app purchases
DevicesiPhoneiPhone, iPad, iPod โ€” better
Requires iOS17.615.0 โ€” better
Further details โ€” not scored
Size19 MB3 MB
Age rating4+4+
DeveloperERX CONNECTSimon Hibbard

In-app purchases

3 purchases

Payify

One-time3
  • Coffee Small$4.99
  • Coffee Medium$9.99
  • Coffee Big$24.99
1 purchases

Subs HQ

One-time1
  • Unlimited subscriptions$4.99

Questions

Is Payify free?
Payify is free to download, with in-app purchases available.
Is Subs HQ free?
Subs HQ is free to download, with in-app purchases available.
Do Payify or Subs HQ have ads?
Neither Payify nor Subs HQ shows ads.
Which is updated more often, Payify or Subs HQ?
Payify ships an update monthly, and Subs HQ every 4 days. Most recently, Payify was updated on October 25, 2026 and Subs HQ on October 31, 2026.

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