Кубыш vs Subly

Money apps usually show the past: where your money went last month. But what actually worries you is what to do now and whether the money lasts until payday. And after you install them they are empty: first you fill in categories and expenses, and only weeks later do you see any picture at all. Kubysh is a money navigator that looks ahead. It is set up for you from minute one and shows every day how much you can spend today and whether the money lasts until payday. And the plan from each paycheck takes you towards what you want: a holiday, a safety net, a renovation, a car. A READY PLAN RIGHT AFTER INSTALL Answer a few questions about your income, fixed payments and goals, and in a couple of minutes you already have a plan until payday: a daily budget, fixed payments and how much to set aside from this paycheck. Nothing to fill in for weeks. CALM EVERY DAY • How much you can spend today - the limit updates after every expense • How many days the money lasts and whether it reaches payday • Your pace: on plan, slower or faster • A daily insight in plain words: how the period is going and what it means • "Can I afford this?" - an answer based on your own money in seconds • No spending today? Mark a no-spend day EXPENSES FROM A SCREENSHOT • Share a screenshot from your bank and Kubysh sorts the transactions into categories • Recognition runs on your phone, the screenshot never leaves it • Everything found is shown for review before it is recorded STAY ON COURSE CALMLY • Every Saturday a weekly recap: how much you saved, where the money went, whether it lasts until payday • A plan for the day in the morning, a short recap in the evening. No more than two notifications a day • At the end of each period: what worked and what the next plan looks like THE GOALS IT IS ALL FOR • A safety net and goals with a real date, not "someday" • The plan sets aside part of every paycheck, and you see your savings grow on a chart • "Look into the future": pick a date and see how much you will have saved by then SAVINGS THAT EARN • Kubysh picks deposits and savings accounts that fit your goal dates and shows how much they could earn per month • Your safety net goes to an account you can withdraw anytime, goals go to deposits that mature by the date you need • Higher rates for new and payroll clients are taken into account, and you open the deposit on the bank's website ASK KUBYSH • "How much can I spend today?", "Will I save enough for my holiday?", "Should I buy it?" - common questions are answered instantly, with a button to the right screen • The app does the maths, the AI explains it in plain words and never records anything without your confirmation PRIVACY • No bank login, no SMS access • Financial data is stored on your device • The app locks with a passcode and Face ID Amounts are in roubles: Kubysh is built for people who are paid once or twice a month.

Subly shows you how much you pay for subscriptions and reminds you before every charge. No bank connection and no account needed. THE ESSENTIALS • Reminders before every charge and before a free trial ends, so you can cancel what you don't use in time. • All your monthly spending in one number, even if you pay in several currencies (European Central Bank reference rates). • Your year: what you've spent so far, what's expected through December and what your current subscriptions cost per year. • A calendar with all your charges and each month's list of payments. • Monthly budget with an alert if you go over it. • Icons and colors for every subscription, and 100+ services suggested as you type. CANCEL WITHOUT GETTING LOST • Every subscription shows how to cancel it: the service's cancellation page and your App Store subscriptions. • See how much you've paid since you added it and what it costs per year. • Savings simulator: mark what you don't use and see how much you'd save. SPLIT COSTS • Note who you share each subscription with and how much each person owes you. • Mark it as paid or send a reminder by message. ADD IN SECONDS • Type the name or scan a receipt with the camera or from a screenshot. Text is recognized on your own device. ON ALL YOUR DEVICES • iCloud sync. • Widgets for the Home Screen and the Lock Screen. • Apple Watch app with your spending and upcoming charges. PRIVACY • No accounts, no bank access and no ads. • Your data stays on your device and in your private iCloud. • Face ID lock and export to CSV or JSON. SUBLY PRO For free you get up to 4 active subscriptions with reminders 1 day before the charge, calendar, budget, shared costs, receipt scanner and widgets. Subly Pro adds unlimited subscriptions, reminders as many days in advance as you want, iCloud sync, the Apple Watch app, "Your year" and currency conversion. • Annual plan with a 1-month free trial for new subscribers. If you don't cancel before the trial ends, the annual fee is charged. • Monthly and annual plans: auto-renewable subscriptions. Payment is charged to your Apple Account at confirmation of purchase. They renew automatically unless canceled at least 24 hours before the end of the current period. You can manage and cancel them in your Apple Account settings. • One-time purchase: unlocks Subly Pro forever, with no renewals. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sites.google.com/view/subly-app-/inicio