Renew Subscription Manager vs SpendCents

Renew is the stress-free subscription manager that puts your Subscribe & Save shipments, memberships, and app subscriptions in one place and gives you a 7-day heads-up before your card is charged, so you can decide whether to pause, cancel, or allow an order to go through. STOP UNWANTED CHARGES IN ADVANCE One week before a charge, Renew alerts you and asks for a decision: Allow, Pause, or Cancel. No more unwanted boxes showing up on your doorstep or surprise charges on your card because you forgot to skip or cancel in time. SAY GOODBYE TO SPREADSHEETS Stop relying on clunky Excel sheets, calendar reminders, or your own memory to track renewal dates. The dashboard projects your monthly recurring spend and shows you exactly what is active, paused, resuming, or canceled. EFFORTLESS SETUP WITH AI Set up your subscription cards in seconds. Type your details manually, or simply snap a photo of your product or a screenshot of your order. Our built-in AI will automatically scan the image and pre-populate the card for you. CANCEL WITHOUT THE RUNAROUND Bundled how-to-cancel guides, a cancellation-difficulty rating, and ready-to-send escalation drafts for merchants that make it hard. RENEW PRO (optional subscription) Free forever keeps 3 permanent tracking slots. Pro unlocks unlimited orders plus the Ledger — category breakdown, biggest orders, spend trend, and your averted-spend history. - Renew Pro is $29.99/year with a 7-day free trial - Payment is charged to your Apple ID after the trial; it auto-renews yearly unless canceled at least 24 hours before the period ends; manage in your Apple ID settings Renew is an organizer, not financial advice, and never connects to your bank. Privacy Policy: https://preview.apppublishing.ai/legal/renew/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/renew/terms

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms