Comparison

WorthTrail vs Subdeck

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

Head to head
About

WorthTrail

Track your net worth privately by recording all assets and debts without connecting bank accounts. Understand your financial returns, monitor progress towards FIRE goals, and organize your holdings with customizable tags and reports. Features AI agents on Mac for natural language queries.

Highlights
  • Private net worth tracking
  • Asset and debt recording
  • Financial return analysis
  • FIRE goal progress monitoring
  • Customizable account tagging
  • AI agents for net worth queries (Mac)
  • Excel and PDF reports
Features
Read full description

WorthTrail is a private net worth tracker. Record every asset and debt in one place, without connecting a bank account. ◆ See your whole net worth • Net worth, assets, liabilities and today's change on one page • Stocks, ETFs, funds, crypto, property, deposits, cash and debts together • Every currency converted into your base currency ◆ Understand your returns • Daily, weekly, monthly and yearly P&L on one calendar • Cost basis, realized and unrealized gains, trends and drawdowns • Automatic daily records and historical prices build your history ◆ Track your path to FIRE • FIRE progress toward a target based on your annual spending and withdrawal rate • Passive income from dividends and deposit interest, and the share of spending it covers • A projected date and how long your money lasts, as estimates you can adjust ◆ Organize it your way • Tag groups for accounts, family members, sectors, regions or strategies • Switch views without duplicating holdings • Recurring investment plans and fixed-term deposits ◆ AI agents on Mac • The Mac version runs a local MCP server for AI agents • Ask about your net worth, holdings and returns in plain words • Agents record trades only when you allow it, after you approve a preview ◆ Reports and widgets • Excel workbooks and PDF reports for analysis and archiving • Home Screen widgets keep your net worth in view ◆ Privacy first • Your data stays on your device, with an optional private iCloud backup • No bank login, no ads, no third-party analytics SDKs • Face ID or passcode lock WorthTrail is for asset recording and analysis only. It does not provide investment advice. Market data may be delayed, incomplete or inaccurate. Please refer to your actual accounts and official data. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Subdeck

Manage all your recurring expenses in one place. Track subscriptions, get reminders for upcoming payments and free trial endings, and understand your spending habits. No bank connection needed, just a clear overview of your memberships.

Highlights
  • Track subscriptions, prices, and renewal dates
  • Renewal and payment reminders
  • Free trial ending notifications
  • Subscription spending insights
  • Multi-currency support
  • Custom subscriptions and categories
  • iCloud sync
Read full description

Subscriptions should make life easier — not become forgotten expenses. Subdeck is a simple, focused subscription manager that helps you keep memberships, software services, and recurring payments in one place. Stay ahead of renewals, upcoming charges, and free trial endings while keeping a clear view of how much you spend on subscriptions. No bank account connection. No complicated budgeting. Just a clearer way to manage your subscriptions. Everything in one place Keep track of your subscriptions, prices, billing cycles, and renewal dates from one clean dashboard. Renewal and payment reminders Get notified before upcoming payments so you can review your subscriptions before the next charge. Free trial reminders Keep track of trial periods and receive reminders before they end, helping you avoid forgotten renewals. Spending insights See your monthly, yearly, and overall subscription spending, with trends and categories that make recurring expenses easier to understand. Multi-currency support Track subscriptions in different currencies and manage services from around the world more easily. Custom subscriptions and categories Add the services you use, create your own subscriptions, and organize them in a way that works for you. iCloud sync Keep your subscription data in sync across your Apple devices with iCloud. Privacy by design Your subscription data is stored locally on your device. No account is required, and you never need to connect a bank account. When you use iCloud sync, your data is stored in your private iCloud account. Subdeck has one simple goal: Know what you're paying for, see what's coming next, and decide whether every subscription is still worth keeping. Third-Party Brand Notice Subdeck is not affiliated with, endorsed by, sponsored by, or officially connected with any third-party brands, products, or services displayed in the app. All names, trademarks, and logos belong to their respective owners and are used only to help users identify and manage their subscriptions. Privacy Policy https://qihu87.github.io/subdeck-privacy/ Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

WorthTrail4 screens
Subdeck4 screens

Verdict

The call

The clearest difference is rating: WorthTrail at 5.0 against Subdeck's 4.5. WorthTrail also leads on update cadence (daily vs weekly) and ratings volume (9 vs 2). On price, review sentiment, ads and in-app purchases 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. WorthTrail sells 2 in-app purchases, starting at $4.99 per month and Subdeck sells 5 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

WorthTrail holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 9 and 2 respectively. Written reviews point the same way: 96% of WorthTrail's written reviews are positive against 92% of Subdeck's.

UpkeepUpdate frequency

WorthTrail ships an update daily, Subdeck weekly. The most recent releases landed on November 12, 2026 and November 13, 2026 respectively.

Scorecard4 real differences · 6 level
WorthTrail versus Subdeck: the parameters behind the verdict, then further details
ParameterWorthTrailSubdeck
PriceFreeFree
Rating5.0 (9 ratings) — better4.5 (2 ratings)
Positive reviews96.2% of reviews — better91.7% of reviews
Number of ratings9 — better2
Update frequencyDaily — betterWeekly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Mac — betteriPhone
Requires iOS17.017.0
Further details — not scored
Size54 MB40 MB
Age rating4+4+
Developer健波 徐启虎 王

Customer experience

WorthTrail

All ratings9 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews26 reviews
Positive96.2%
Neutral3.8%
Negative0.0%

Subdeck

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive91.7%
Neutral0.0%
Negative8.3%

In-app purchases

2 purchases

WorthTrail

Subscriptions2
  • WorthTrail Pro Monthly$4.991 Month
  • WorthTrail Pro Annual$49.991 Year
5 purchases

Subdeck

Subscriptions2
  • Pro Monthly$1.991 Month
  • Pro Yearly$6.991 Year
One-time3
  • Pro Lifetime Promo$9.99
  • Pro Lifetime Special$12.99
  • Pro Lifetime$14.99

Questions

Is WorthTrail free?
WorthTrail is free to download, with in-app purchases available.
Is Subdeck free?
Subdeck is free to download, with in-app purchases available.
Which has better reviews, WorthTrail or Subdeck?
WorthTrail is rated higher. WorthTrail averages 5.0 out of 5 from 9 ratings, while Subdeck averages 4.5 from 2 ratings.
Do WorthTrail or Subdeck have ads?
Neither WorthTrail nor Subdeck shows ads.
Which is updated more often, WorthTrail or Subdeck?
WorthTrail ships an update daily, and Subdeck weekly. Most recently, WorthTrail was updated on November 12, 2026 and Subdeck on November 13, 2026.

Other comparisons