EveryPenny vs SubLab

There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total. WHAT EVERYPENNY DOES • One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet. • Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw. • Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank. • Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month. • Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you. • Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always. • Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture. • Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up. • Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders. ON PRIVACY EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy. WHO IT IS FOR EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now? If your finances live in more than one place, EveryPenny is the one place to see all of them. TO GET STARTED Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly. Terms of Use (EULA): https://everypennyapp.com/terms Privacy Policy: https://everypennyapp.com/privacy

Take control of your subscriptions before they take control of your budget. SubLab is a simple and powerful subscription tracker that helps you manage recurring payments, free trials, upcoming renewals, and everyday subscription expenses — all in one place. Know what you’re paying for, see what’s coming next, get reminders before charges happen, and plan your spending with confidence. Everything in one place Keep all your subscriptions and free trials organized in one clear overview. See the most important details at a glance: • Price • Next payment date • Billing cycle • Subscription status • Notes • Free trial information No more searching through emails or trying to remember when the next payment is due. Never miss a renewal Get notified before an upcoming payment or subscription renewal. You can also enable an additional reminder on the payment day, so important charges are even harder to miss. Stay informed about what’s coming and avoid unexpected subscription expenses. Pause subscriptions without losing history Taking a break from a service? Pause a subscription instead of deleting it. Your history and details stay saved, and you can resume the subscription whenever you need it again. Payment calendar See your upcoming subscription payments clearly organized in a calendar. Quickly understand: • What is being charged • When the payment is due • Which expenses are coming next Planning your month becomes much easier when everything is visible ahead of time. Home Screen widgets Check your subscriptions without even opening the app. SubLab widgets let you quickly view upcoming payments and important subscription information directly from your Home Screen. Choose from multiple widget styles designed to keep the information you care about close at hand. Understand your spending See how much you spend on subscriptions and get a clearer picture of your recurring expenses. With SubLab Pro, unlock more detailed spending analytics to better understand where your money goes over time. Multiple currencies Track subscriptions in different currencies without losing sight of your total spending. SubLab supports a wide range of currencies and automatically converts amounts, making it easy to view your expenses in one selected currency. Protect your data Keep your subscription information private with App Lock. Protect SubLab using Face ID or your device passcode for an extra layer of security. Flexible subscription settings Every subscription is different, so SubLab gives you full control over how you track it. Customize: • Price • Currency • Payment date • Billing cycle • Reminders • Notes • Subscription status • Free trial details Track monthly, yearly, custom recurring subscriptions, or free trials exactly the way you need. Sync across your devices Keep your subscriptions up to date across your Apple devices with iCloud. Add or edit a subscription on one device and keep your data available across your devices. SubLab Pro Unlock the full SubLab experience with advanced features, including: • Detailed spending analytics • Additional subscription insights • More powerful tracking tools • Other Pro features SubLab Pro is available through in-app purchases: • Auto-renewable yearly subscription • One-time purchase for permanent access Choose the option that works best for you. Simple. Clear. Built for subscriptions. Whether you have a few subscriptions or dozens of recurring payments, SubLab helps you stay organized, understand your spending, and know exactly what’s coming next. Track your subscriptions. Plan upcoming payments. Avoid surprises. Stay in control with SubLab. Third-party brand names and icons are used solely for identification purposes to help users recognize and organize their subscriptions. SubLab is not affiliated with, endorsed by, or sponsored by these brands. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/