Stowe vs Subtle

Feel more confident about your money without spending all your time managing it. Stowe brings your bank accounts and credit cards together, automatically organizes your spending, and helps you spot opportunities to save on the things you already pay for. See where your money goes, why this month looks different, and what to do next. No manual transaction logging or complicated budget required. WHAT YOU CAN DO WITH STOWE Understand your spending See spending automatically sorted into useful categories like groceries, takeout, housing, and bills. Compare this month with previous months, find out what's changed, and create rules to make your transactions more accurate. See how your spending compares with similar households, too. Catch bills and subscriptions worth reviewing See recurring payments, upcoming renewals, and what your subscriptions cost over a year. Spot bills that have crept up and review subscriptions you no longer use. Stowe can help you cancel them, too. Find ways to save on everyday costs Compare phone plans that meet your data needs, and see whether switching could lower your bill. Discover credit cards that may offer more cash back or rewards based on how you actually spend. Turn grocery receipts into useful insights Take a photo or forward a receipt. Stowe matches it to your transactions and tracks the prices of individual grocery items over time. See what you typically pay, your best sale price, and which stores offer better deals. Get answers from the Stowe Advisor Ask why last month cost more, what bills are coming up, or where you could cut back. Get answers based on your connected accounts and spending history, with suggestions tailored to your household. Stay on top of what's next See upcoming bills and recurring charges in a calendar, with daily check-ins to help you plan. Set spending goals or use the 50/30/20 guideline when you want more structure. Manage money as a household Invite your partner, bring shared bills together, and see your household net worth in one place. Choose what to share and what stays private. PRIVATE BY DESIGN Your accounts connect through Plaid with read-only access. Stowe can't move money from your accounts. Your financial data is never sold to advertisers, and you can disconnect accounts whenever you choose. Budget less. Save more. And spend a little less time thinking about money. Start with a 7-day free trial. Available on iPhone in the US and Canada. Terms of Use: https://joinstowe.com/terms Privacy Policy: https://joinstowe.com/privacy

Every subscription, finally in one place. Subtle keeps every recurring payment in one clean view: streaming, music, AI tools, the gym, domains, even that app you forgot about. It tells you what's coming before it hits your card. ADD SUBSCRIPTIONS IN SECONDS • Scan a screenshot of any receipt, paywall, or renewal email. Subtle reads it on your device and fills in the details. • Choose from a built-in catalog of 256 popular services worldwide, logos included. • Import a bank or card statement (PDF or CSV) and confirm the charges it finds. • Add anything custom with your own icon, emoji, or colour. STAY AHEAD OF EVERY RENEWAL • A clean dashboard and calendar show what renews and when. • Reminders a few days before each charge. • Home and lock screen widgets keep renewals one glance away. KNOW WHERE YOUR MONEY GOES • Monthly and yearly totals in your home currency, with automatic conversion. • Spending by category, trends over time, and simple insights. CANCEL WHAT YOU DON'T WANT • Step-by-step cancellation guides for top services, built right in. START FREE, GO PRO WHEN YOU NEED MORE Subtle is free to track your subscriptions and stay on top of renewals. Subtle Pro unlocks the advanced tools when you want them: • Unlimited subscriptions • Screenshot and statement scanning • Calendar view, statistics, and budgets • Data export and home screen widgets Subtle Pro is a yearly plan with a free trial, or a one-time lifetime purchase. Cancel anytime. PRIVATE BY DESIGN • Your data stays on your device and in your own private iCloud, so we never see it. • Screenshot scanning runs entirely on your device. Nothing is uploaded. • No bank linking, no email scanning, and no ads inside the app. Anonymous analytics only, and you can turn them off. Subtle works in light and dark mode and is built for a global audience. Privacy Policy: https://subtle.northstud.io/privacy Terms of Use: https://subtle.northstud.io/terms Questions or ideas? Email support@northstud.io