SubZero vs Kalendo

Do you really know how much your subscriptions cost you each month? Netflix, Spotify, iCloud, YouTube, apps, free trials… On their own, they seem reasonable. But over a year, the total can really sting. SubZero shows you your true monthly and yearly cost in seconds. ADD YOUR SUBSCRIPTIONS IN 2 TAPS Pick a service, enter the price and billing frequency, and SubZero automatically works out what it costs per month and per year. PAYING IN INSTALLMENTS? TRACK IT ALL A purchase split into 3, 4, 10 monthly payments? Add it as an installment plan: SubZero works out each payment, follows the schedule, and archives it on its own once it's paid off. Your real totals finally separate the temporary from the recurring. NEVER FORGET A FREE TRIAL AGAIN Started a free trial? SubZero can remind you before it turns into a paid plan, whenever you choose. SEE WHAT'S COMING Keep track of your upcoming charges, your spending over the year, your most expensive categories, and the subscriptions weighing most on your budget. WHAT SUBZERO DOES FOR YOU • Automatic monthly and yearly cost • Installment payment tracking • Reminders before renewals • Free trial tracking • Stats by category • Yearly projection • No account required SUBZERO PRO One purchase. For life. No subscription to manage your subscriptions. SubZero Pro unlocks: • Unlimited subscriptions • Detailed statistics • Custom reminders • iCloud sync YOUR DATA STAYS WITH YOU No account. No ads. No tracking. No data collected. Download SubZero, add your subscriptions, and see what they really cost you. Questions? subzero@alexdevlab.com

Kalendo is not another ledger that tells you what you already spent. It is a calendar that shows what will be left. A budget calendar, bill reminder, subscription tracker and expense tracker in one: plan your cash flow day by day. Rent, salary, subscriptions, loan payments: you enter them once. The app spreads them across the calendar and works out your balance for every single day. "Can I afford this on the 20th?" is answered on screen. YOUR BUDGET ON A CALENDAR • A month grid with income and expense marks on every day • Today's balance and the month-end forecast side by side • Tap a day to see its entries and the balance you will have that day • List view, search and category filters RECURRING ITEMS AND REMINDERS • Daily, weekly, monthly and yearly rules • Salary, rent, bills and subscriptions are entered once and come back on their own • A notification before a payment is due, generated entirely on your phone • The next payment and its amount sit on the home screen "WHAT IF?" — SEE IT BEFORE YOU BUY IT • Try a purchase or an instalment plan; nothing is saved • The answer comes month by month: each month's end balance, the effect, and the month you would go below zero • Change the number of instalments and the table changes with it • Find out which month a 12-instalment phone actually hurts BUDGETS, GOALS AND DEBT • Set a monthly limit per category and watch the bar as you spend • Set a savings goal and see when the forecast says you will reach it • Track money you lent and borrowed, with the repayment date • Keep cash, bank and card accounts apart and transfer between them IT KEEPS THE NUMBERS HONEST • If your real balance differs, "Fix balance" books the gap as unlogged spending • It learns your everyday spending over time and forecasts with it • With too little data it says so, instead of inventing one confident number ADD FROM A RECEIPT • Photograph a receipt and let it read the amount • If it is not sure it leaves the amount blank rather than quietly guessing YOUR DATA STAYS YOURS • Fully offline: no account, no sign-up, no server • No ads, no tracking, nothing sold • Everything lives on your phone; export a JSON backup whenever you want • Bring your history in from another app or a bank statement as CSV • PIN and biometric lock 10 languages, 52 currencies, dark theme. FREE The calendar, unlimited transactions and categories, recurring rules, budgets and goals, reminders, search, app lock, backup and restore. PREMIUM Unlimited recurring rules, budgets and goals; multiple accounts; the "What if?" simulation; advanced charts and month-over-month comparison; reading amounts from receipts; CSV and PDF export; automatic Google Drive backup. Questions or ideas: support@faaytech.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/