Subvio vs Spendable

You did not mean to pay for another month. Maybe it was a free trial that quietly renewed. Maybe three apps you forgot about. Maybe Apple, Netflix, and a productivity tool all billing within the same week. Subvio exists for one job: help you see what you subscribe to, when it renews, and what it costs—before money leaves your account. THIS IS THE MOMENT SUBVIO IS BUILT FOR • You signed up for a trial and need a reminder before it converts to paid • Your card statement shows charges you barely recognize • You manage multiple services across streaming, cloud storage, fitness, and work tools • You want to cancel something—but only if you remember before the renewal date • You need a clear monthly and yearly view without linking your bank account Subvio is not a chatbot. It is not a generic AI assistant. It is a practical subscription and trial tracker designed for people who want control, not complexity. WHAT SUBVIO DOES Add subscriptions manually in seconds—or start from quick templates for popular services. Set renewal dates, billing cycles, and trial periods. Subvio calculates monthly and yearly spend automatically, even when you mix weekly, monthly, and annual plans. See upcoming renewals on your home screen. Open the calendar to view billing dates at a glance. Use Analytics to understand category breakdown, daily cost, spending trends, and where your subscription budget actually goes. Spending Analytics Category breakdown, monthly trends, daily and hourly cost equivalents, subscription score insights, spending forecast, and smart tips to spot waste—built for clarity, not noise. Local Renewal Reminders Automatic reminders 7, 3, and 1 days before renewal, plus a same-day alert. Notifications are scheduled on your device—they work offline and do not require an internet connection. Trial Protection Dedicated trial tracking and alerts so you can decide to keep or cancel before you are charged. Apple Subscription Guide Step-by-step help for finding subscriptions in your Apple account and adding them to Subvio. iOS privacy rules prevent automatic import—Subvio shows you exactly where to look and how to track them manually. Privacy-First by Design Your subscription data is stored locally on your device. No account required to start. No bank connection required. You stay in control of what you enter and what you share. WHY SUBVIO IS DIFFERENT Most finance apps focus on past transactions. Subvio focuses on future renewals—the charges you can still prevent. Most tools want access to your accounts. Subvio works with information you choose to add—fast, transparent, and private. Most “subscription managers” feel like spreadsheets. Subvio is built as a mobile-first renewal system: reminders, calendar, analytics, and trial protection in one focused app. REAL USE CASES • Set a trial reminder for a streaming service and cancel on day 6 if you are not convinced • See that three renewals hit the same week and adjust your budget in advance • Review yearly spend before renewing annual plans • Track iCloud+, Apple Music, and App Store subscriptions alongside Netflix and Spotify • Check monthly burn rate before signing up for another tool during a free trial BUILT FOR IPHONE AND IPAD Use Subvio on your phone for quick checks and reminders. Use iPad for a broader calendar and analytics view when you review your subscription stack monthly. FROM CLARITY TO CONFIDENCE When you know what renews and when, you make better decisions: cancel what you do not use, downgrade before billing, keep what delivers value. Subvio helps you move from reactive surprise charges to proactive subscription control. DESIGNED TO GROW WITH YOU Start with a handful of subscriptions. As your stack grows, Subvio becomes your renewal command center—calendar, alerts, categories, and spending insights in one place. Whether you manage five services or twenty, the goal

What can I spend today without going broke before payday? Spendable answers that with one number, recalculated every morning from your real balance. No bank login. No account. No server. Everything stays on your phone. HOW IT WORKS Tell it three things: your balance, your payday, and any bills due before then. Spendable holds back the bills and your buffer, divides what's left by the days remaining, and shows you today's figure. Spend less today and tomorrow's number rises by itself. Spend more and it drops. There is no envelope system, no categories to maintain, and nothing to reconcile. CAN I AFFORD THIS? Type an amount and get an answer with the consequence attached — "Yes, but every remaining day drops to $97.77, down from $111.11." A flat "no" is reserved for a purchase that would break your bills. HONEST BY DESIGN Figures always round down. The promise is "you can spend this and still be fine", and a number that rounds up is a lie by a cent. Logging a spend never moves today's target — it only uses it up. Paying a bill never changes your spendable figure, because that money was never yours to spend. FREE FOREVER • Your safe-to-spend number • Three-second spend logging • "Can I afford this?" • Shortfall warnings • Up to three bills SPENDABLE PLUS — $0.99/MONTH • Home Screen and Lock Screen widgets • Zero Day forecast — the date you run out at your current pace • Daily check-ins, morning and evening • Unlimited bills PRIVACY No account. No analytics. No ads. No tracking. Spendable never connects to your bank and has no server of its own. Your balance, bills and history live in a database on your device. Erase all data in Settings and it is gone, immediately and permanently. Spendable is an arithmetic tool, not financial advice. Its figures are only as accurate as the numbers you enter. Spendable Plus is an auto-renewing monthly subscription. Payment is charged to your Apple Account at confirmation of purchase and renews unless cancelled at least 24 hours before the end of the period. Manage or cancel in Settings → your name → Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ephopho.github.io/spendable-legal/privacy/