Comparison

Subscription Tracker vs Cubby Budgeting App

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

Head to head
About

Subscription Tracker

Features
Read full description

Losing track of your subscriptions? Netflix, Spotify, iCloud, gym memberships — recurring bills add up fast. Penny is the subscription tracker that shows exactly what you're paying every month, so you can cancel what you don't use and take back control of your expenses. SUBSCRIPTION TRACKER & SPENDING INSIGHTS • See total and average spending across all subscriptions • Beautiful charts: pie, bar, treemap & spending trend lines • Compare week-over-week, month-over-month & year-over-year • Category breakdown reveals where your money really goes • Calendar view shows every upcoming subscription payment at a glance BILL REMINDER & PAYMENT TRACKER • Get bill reminders days before each payment hits • See all upcoming renewals in one place • Track pending vs. paid transactions • View complete payment history per subscription • Never be surprised by a recurring charge again SUBSCRIPTION MANAGER & ORGANIZER • Add any recurring bill or subscription in seconds • Weekly, monthly & yearly billing cycles • Pre-built categories: Entertainment, Productivity, Cloud & Storage, Lifestyle & Health, Business & Finance • Create custom categories with personalized colors • Add descriptions and notes to each subscription MULTI-CURRENCY EXPENSE TRACKER • Track subscription expenses in 30+ currencies • USD, EUR, GBP, JPY, CNY, KRW, INR and many more • Available in 10 languages: English • Español • Français • Deutsch • Italiano • Português • Русский • 日本語 • 한국어 • 中文 PRIVATE — NO BANK LINK REQUIRED • 100% offline — your financial data stays on your device • No bank account connection needed • Full backup & restore — export your data anytime PENNY PREMIUM Go Premium for unlimited subscriptions and a completely ad-free experience. The subscription manager without limits. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Cubby Budgeting App

This app helps you track your spending, manage savings, and organize financial goals with a friendly interface. It breaks down expenses by category and allows you to set up savings buckets for specific targets. Build good money habits with visual progress tracking and a fun, encouraging experience.

Highlights
  • Spending overview by category
  • Savings goal tracking
  • Subscription management
  • Monthly budget review
  • Transaction history editing
  • Customizable dashboard
Features
Read full description

Meet Cubby - the cozy little bear who helps you track spending, grow your savings, and finally feel in control of your money. No spreadsheets, no stress, just a simple and delightful way to watch your money grow. WHY YOU'LL LOVE CUBBY See where your money goes - a clear monthly overview of income, spending, and what you saved Spending by category - a beautiful breakdown so you always know where it went Wants vs Needs - see how much goes to essentials versus extras Savings buckets - split your savings into goals like Home, Emergency, or a new Car Goal tracking - set a target and watch your progress climb Subscription tracker - keep every recurring charge in one place and cancel the ones you forgot about Activity history - your full transaction log, neatly tagged and easy to edit Budget month by month - swipe back through past months to spot your trends Build a streak - log consistently and Cubby cheers you on MEET CUBBY Cubby reacts to how you're doing with playful messages and moods - a bear that's genuinely proud when you save. Building good money habits has never been this cute. MADE SIMPLE Add transactions in seconds, organize your savings, and customize your home dashboard the way you like. Sign in and your data follows you across devices. CUBBY PREMIUM — COMING SOON We're hard at work on premium upgrades, including: Automatic bank sync — connect your accounts (coming soon) Investing insights (coming soon) Unlimited goals and buckets (coming soon) Advanced reports and exports (coming soon) Premium features are on the way - stay tuned! Start small, stay consistent, and let Cubby help you grow. Download today. SUBSCRIPTION INFORMATION Cubby offers optional auto-renewable subscriptions and one-time purchases: Cubby Plus — $1.99/month or $19.99/year (removes ads, 6 months of history) Cubby Premium — $9.99/month (automatic bank sync 4× daily, 1 year of history)(Coming Soon) One-time account import — $2.99 per account (single sync, no subscription)(Coming Soon) Payment will be charged to your Apple ID at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID Account Settings. Privacy Policy: https://cubbyapp.net/privacy Terms of Use: https://cubbyapp.net/terms

Screenshots

Subscription Tracker4 screens
Cubby Budgeting App4 screens

Verdict

The call

The clearest difference is ads: Subscription Tracker at none against Cubby Budgeting App's shown. Subscription Tracker also leads on iOS requirement (15.1 vs 18.6). On price, update cadence, 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. Subscription Tracker sells 3 in-app purchases, starting at $3.99 per month and Cubby Budgeting App sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Subscription Tracker ships an update fortnightly, Cubby Budgeting App daily. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 7 level
Subscription Tracker versus Cubby Budgeting App: the parameters behind the verdict, then further details
ParameterSubscription TrackerCubby Budgeting App
PriceFreeFree
Rating—5.0 (3 ratings) — better
Number of ratings—3 — better
Update frequencyFortnightlyDaily — better
AdsNo — betterYes
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better18.6
Further details — not scored
Size54 MB19 MB
Age rating4+4+
DeveloperFranck HuJoe Hernandez Loredo

In-app purchases

3 purchases

Subscription Tracker

Subscriptions2
  • Penny Premium$3.991 Month
  • Penny Premium$7.991 Year
One-time1
  • Penny Premium$14.99
2 purchases

Cubby Budgeting App

Subscriptions2
  • Cubby Plus$1.991 Month
  • Cubby Plus$19.991 Year

Questions

Is Subscription Tracker free?
Subscription Tracker is free to download, with in-app purchases available.
Is Cubby Budgeting App free?
Cubby Budgeting App is free to download, with in-app purchases available.
Do Subscription Tracker or Cubby Budgeting App have ads?
Cubby Budgeting App shows ads; Subscription Tracker does not.
Which is updated more often, Subscription Tracker or Cubby Budgeting App?
Subscription Tracker ships an update fortnightly, and Cubby Budgeting App daily. Most recently, Subscription Tracker was updated on October 10, 2026 and Cubby Budgeting App on October 25, 2026.

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