SpendByMe vs Subcharge Subscription Tracker

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/

Subcharge keeps your subscriptions, bills, cards, expenses and budgets in one private place, so you always know what is charging you, how much, and when. EVERY RENEWAL IN ONE VIEW See what you pay each month, what renews next and a calendar of what is coming up. Get a reminder before a renewal, a card bill or the end of a free trial, then mark it paid in one tap. SPENDING AND BUDGETS Log an expense in seconds from a keypad. Set a budget and see what is left to spend, and how much per day. Track your accounts and cards, move money between them, and see where your money goes by category and account. A PRIVATE CARD VAULT Keep your cards in the Vault to follow bills and due dates. Card numbers are end-to-end encrypted with a key only you hold, and a 12-word recovery phrase brings them back on a new device. We cannot see them. ADD THINGS YOUR WAY Pick from a catalog of popular services, type or paste a line such as "Music 9.99 monthly", or import from a screenshot or a statement. Text you paste is read on your iPhone and is never uploaded. You can also forward receipts to your private Subcharge address and review what it finds. RIGHT ON YOUR HOME SCREEN Widgets show your next renewals and what is left to spend, or log an expense in one tap. Open the keypad from Control Center, the Lock Screen or the Action button. A Live Activity keeps what is due today in view, and Siri can tell you what is due next. ONE ACCOUNT, ALL YOUR DEVICES Sign in and your subscriptions, expenses and cards stay in sync across your devices. ALSO INCLUDED - Renewal, free trial and card bill reminders - A calendar of upcoming charges - Many currencies, with exchange rates - Step-by-step guides to cancel a service - Available in 11 languages - No ads FREE AND PRO Free includes up to 3 subscriptions and 3 cards, unlimited expenses and one budget to try. Pro unlocks unlimited subscriptions, cards and budgets, spending reports, CSV export, encrypted receipts on expenses, imports from a screenshot, a file or pasted text, automatic detection, and automatic encrypted iCloud backup. A free trial may be available. SUBSCRIPTION TERMS Subcharge Pro is an optional auto-renewing subscription with monthly and yearly plans. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it any time in your App Store account settings. Terms of Use: https://subcharge.aierlabs.com/terms Privacy Policy: https://subcharge.aierlabs.com/privacy Subcharge is made by Aier Labs.