Cashtra vs Subly

Take control of your personal finances with Cashtra. Cashtra is a privacy-first expense and budget tracker for cash, cards, bank accounts, e-wallets, bills, debts, and savings goals — with no sign-up, no bank logins, and no subscriptions. Your ledger lives on your iPhone. Log spending in seconds, plan your bills and budgets, and see your whole net worth in one place. FEATURES • Cash Chat: Type what you spent in your own words and Cashtra logs it. You can even set up your accounts by chatting. • Siri & Shortcuts: Log an expense, income, or transfer, or move money between accounts, without opening the app. Great on the Action Button or Back Tap. • Smart Safe-to-Spend: A daily allowance that adjusts to keep you on budget without stress. • Financial Center: Budgets, recurring bills, goals, and debts in one timeline, with reminders before things are due. • Net Worth: Track assets and liabilities. Add Money, Withdraw, or Record a Payment right from your accounts. • Split Expenses: Split a bill with friends and track who owes what, or split one receipt across several categories. • Savings Goals: Set target dates, watch milestone progress, and set money aside with Add to Goal. • Credit Cards & Debt Payoff: Monitor balances, limits, utilization, installments, and loan payoff progress. • Interactive Widgets: Check balances and log expenses from your Home Screen and Lock Screen. • Coach Cashtra: Smarter guidance based on your own activity. • Multi-Currency: Live exchange rates, or use your bank's own rate when it charged a different amount. • Face ID & App Lock: Keep your budget private. • CSV Import & Export: Bring in past transactions and export clean backups anytime. • Translated into 70+ languages. PRIVATE BY DESIGN • No account sign-up required • No bank logins or account syncing • Your data stays on your device. Optional iCloud Sync uses your own private iCloud database and is off by default • No ads, no tracking, and zero telemetry Cashtra is a personal budgeting and financial tracking tool. It does not provide financial, investment, or tax advice.

Subly keeps every subscription and recurring bill in one calm list, with one monthly total and a reminder before each renewal. No bank or card linking: you add what you pay, and it stays on your device. HOW IT WORKS Add a subscription by hand or pick it from the catalog of known services and the logo tile fills itself in. Set the amount, currency, how often it renews (weekly, monthly, yearly or custom), the next payment date and a category. Add notes, or pause a subscription you are taking a break from. Your home screen reads like an agenda: This week, This month, Later and Paused, each with its subtotal. The top card shows your monthly total, a timeline of the month and what is still left to pay. Swipe to pause, resume or delete. REMINDERS BEFORE YOU'RE CHARGED By default Subly reminds you 3 days and 1 day before each renewal, and you can change the timing in Settings. Mark a subscription as a free trial with its end date and you get a reminder before the trial ends, so there is time to cancel before the first charge. INCLUDED FOR FREE • Up to 5 subscriptions with all core features • Renewal and free trial reminders • Detail screen with yearly cost, total paid so far, share of your monthly total and a payment timeline • Cancel shortcut that opens the service's own account page for known services • Multi-currency: each subscription in its own currency, totals in your base currency • Calendar of all payments, with optional sync to your calendar as recurring all-day events • Insights by category and your top subscriptions • Small "next payment" widget SUBLY PRO • Unlimited subscriptions • Deep insights: 12-month projection, currency effect and savings from paused subscriptions • Medium widget with your monthly total and next three payments, plus Lock Screen widgets • Siri and Shortcuts: monthly total, upcoming payments, next renewal, add a subscription • Control Center button to add a subscription (iOS 18) • Apple Watch app with complications for your next payment, monthly total and upcoming list PRIVATE BY DESIGN No account and no bank linking. Your subscriptions stay on your device. Subly uses only anonymous analytics and has no ads. The calm ledger design comes in light and dark, in 15 languages. ABOUT PRO Subly Pro is available as a monthly or yearly subscription, or as a one-time lifetime purchase. Payment is charged to your Apple Account when you confirm the purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings. Restore Purchases is on the Pro screen. Terms of Use (EULA): https://appsmfk.com/terms/ Privacy Policy: https://appsmfk.com/privacy/