Comparison

SpendByMe vs Subscription Tracker AI

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

Head to head
About

SpendByMe

Effortlessly manage your finances with an AI-powered app that automatically tracks expenses, subscriptions, and bills by analyzing SMS and email. Gain clarity on your spending without manual entry, organize transactions with smart categorization, and monitor credit card usage and upcoming payments.

Highlights
  • Automatic expense tracking via SMS/email
  • Smart expense categorization
  • Credit card bill and due date tracking
  • Subscription, loan, and EMI tracker
  • Expense splitting with friends/couples
  • Budget planner and goal tracking
  • Spending map and insights
Features
Read full description

Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Subscription Tracker AI

Features
Read full description

Subscription Tracker AI is the simplest way to track your subscriptions and never get surprised by an unexpected charge again. We've all been there — you check your bank statement and see a charge from a service you forgot you even had. Subscription Tracker AI fixes that. WHAT Subscription Tracker AI DOES: - Add any subscription in seconds — Netflix, Spotify, iCloud, gym memberships, or anything else - See your total monthly and yearly spending at a glance - Get notified before renewals so you can cancel what you don't need - Organize by category: Entertainment, Fitness, Cloud, Music, and more - Track in multiple currencies: USD, GBP, CAD, EUR NO BANK CONNECTION REQUIRED Subscription Tracker AI doesn't connect to your bank or email. You enter your subscriptions manually — your data stays on your device, private and secure. Subscription Tracker AI PREMIUM Upgrade to unlock unlimited subscriptions, custom reminder timing (1, 3, 7, or 14 days before renewal), and advanced spending insights. - Monthly: $2.99/month - Annual: $19.99/year (save 44%) Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Download Subscription Tracker AI free and start tracking today. LEGAL: Privacy Policy = https://trysubcut.com/privacy.html Terms of Use = https://trysubcut.com/terms.html

Screenshots

SpendByMe4 screens
Subscription Tracker AI4 screens

Verdict

The call

The clearest difference is update cadence: SpendByMe at every 5 days against Subscription Tracker AI's every 3 weeks. On price, ads, 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. SpendByMe sells 7 in-app purchases, starting at $1.99 per month and Subscription Tracker AI sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SpendByMe ships an update every 5 days, Subscription Tracker AI every 3 weeks. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

Scorecard1 real difference · 7 level
SpendByMe versus Subscription Tracker AI: the parameters behind the verdict, then further details
ParameterSpendByMeSubscription Tracker AI
PriceFreeFree
Positive reviews58.8% of reviews—
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size90 MB38 MB
Age rating4+4+
DeveloperAbhinav Ranjan JhaSalih Turhan

In-app purchases

7 purchases

SpendByMe

Subscriptions7
  • SpendByMe Pro - Monthly$1.991 Month
  • Spendbyme Plus Monthly$3.991 Month
  • Spendbyme Max Monthly$7.991 Month
Show 4 more
  • SpendByMe Pro 6 Months$7.996 Months
  • SpendByMe Pro 1 Year$14.991 Year
  • Spendbyme Plus Yearly$29.991 Year
  • Spendbyme Max Yearly$59.991 Year
2 purchases

Subscription Tracker AI

Subscriptions2
  • Monthly Premium Access$2.991 Month
  • Yearly Premium Access$19.991 Year

Questions

Is SpendByMe free?
SpendByMe is free to download, with in-app purchases available.
Is Subscription Tracker AI free?
Subscription Tracker AI is free to download, with in-app purchases available.
Do SpendByMe or Subscription Tracker AI have ads?
Neither SpendByMe nor Subscription Tracker AI shows ads.
Which is updated more often, SpendByMe or Subscription Tracker AI?
SpendByMe ships an update every 5 days, and Subscription Tracker AI every 3 weeks. Most recently, SpendByMe was updated on October 16, 2026 and Subscription Tracker AI on October 15, 2026.

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