FinanceForest vs Subvio

Know your number. Actually. Finance Forest: Net Worth is the private, net worth tracker for iPhone and iPad. Add one snapshot a month — every account, every trend, every goal — stored entirely on your device with nothing sent to any server. WHAT YOU TRACK Assets: checking, savings, emergency fund, brokerage, ETFs & stocks, 401(k), IRA, Roth IRA, real estate, crypto, vehicles, HSA, business equity, valuables, foreign accounts, index funds, 529 plans, and more — plus unlimited custom account types you define yourself. Liabilities: mortgage, credit cards, auto loans, student loans, HELOC, personal loans, medical debt — plus any custom debts you name. MONTHLY SNAPSHOTS Add one snapshot per month. Smart prefill carries your previous balances forward so each update takes seconds. Every account, every value, every month — stored in order forever with no paywall on your history. FIRE CALCULATOR Set your total Financial Independence number and liquid bridge corpus using safe withdrawal rate math. Watch your real portfolio fill the progress bars as you save — with separate targets for total FIRE and bridge corpus, plus target age countdowns. INSIGHTS See what's actually driving your number. Top movers by absolute and percentage change, all-time gain, CAGR, tracking duration, liquid vs. illiquid asset split, and FX rate trends for multi-currency portfolios. MULTI-CURRENCY Track accounts in two currencies. Enter the FX rate with each snapshot — no live data feeds, no third-party access to your numbers. PRIVACY — NO COMPROMISES • Zero servers. Your data never leaves your device. • iCloud sync via Apple's own CloudKit — encrypted end-to-end, visible only to you. • No account, no login, no ads, no subscriptions. • Optional Face ID / Touch ID lock. YOURS TO CONFIGURE Six color themes let you make the overview feel like your own — from Ocean to Ember. Choose what appears on the home screen, set monthly snapshot reminders, and manage accounts and custom types your way. Finance Forest: Net Worth is completely free. No subscription. No paywall on your history.

You did not mean to pay for another month. Maybe it was a free trial that quietly renewed. Maybe three apps you forgot about. Maybe Apple, Netflix, and a productivity tool all billing within the same week. Subvio exists for one job: help you see what you subscribe to, when it renews, and what it costs—before money leaves your account. THIS IS THE MOMENT SUBVIO IS BUILT FOR • You signed up for a trial and need a reminder before it converts to paid • Your card statement shows charges you barely recognize • You manage multiple services across streaming, cloud storage, fitness, and work tools • You want to cancel something—but only if you remember before the renewal date • You need a clear monthly and yearly view without linking your bank account Subvio is not a chatbot. It is not a generic AI assistant. It is a practical subscription and trial tracker designed for people who want control, not complexity. WHAT SUBVIO DOES Add subscriptions manually in seconds—or start from quick templates for popular services. Set renewal dates, billing cycles, and trial periods. Subvio calculates monthly and yearly spend automatically, even when you mix weekly, monthly, and annual plans. See upcoming renewals on your home screen. Open the calendar to view billing dates at a glance. Use Analytics to understand category breakdown, daily cost, spending trends, and where your subscription budget actually goes. Spending Analytics Category breakdown, monthly trends, daily and hourly cost equivalents, subscription score insights, spending forecast, and smart tips to spot waste—built for clarity, not noise. Local Renewal Reminders Automatic reminders 7, 3, and 1 days before renewal, plus a same-day alert. Notifications are scheduled on your device—they work offline and do not require an internet connection. Trial Protection Dedicated trial tracking and alerts so you can decide to keep or cancel before you are charged. Apple Subscription Guide Step-by-step help for finding subscriptions in your Apple account and adding them to Subvio. iOS privacy rules prevent automatic import—Subvio shows you exactly where to look and how to track them manually. Privacy-First by Design Your subscription data is stored locally on your device. No account required to start. No bank connection required. You stay in control of what you enter and what you share. WHY SUBVIO IS DIFFERENT Most finance apps focus on past transactions. Subvio focuses on future renewals—the charges you can still prevent. Most tools want access to your accounts. Subvio works with information you choose to add—fast, transparent, and private. Most “subscription managers” feel like spreadsheets. Subvio is built as a mobile-first renewal system: reminders, calendar, analytics, and trial protection in one focused app. REAL USE CASES • Set a trial reminder for a streaming service and cancel on day 6 if you are not convinced • See that three renewals hit the same week and adjust your budget in advance • Review yearly spend before renewing annual plans • Track iCloud+, Apple Music, and App Store subscriptions alongside Netflix and Spotify • Check monthly burn rate before signing up for another tool during a free trial BUILT FOR IPHONE AND IPAD Use Subvio on your phone for quick checks and reminders. Use iPad for a broader calendar and analytics view when you review your subscription stack monthly. FROM CLARITY TO CONFIDENCE When you know what renews and when, you make better decisions: cancel what you do not use, downgrade before billing, keep what delivers value. Subvio helps you move from reactive surprise charges to proactive subscription control. DESIGNED TO GROW WITH YOU Start with a handful of subscriptions. As your stack grows, Subvio becomes your renewal command center—calendar, alerts, categories, and spending insights in one place. Whether you manage five services or twenty, the goal