Comparison

Subly vs Topf

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Subly

Features
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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

About

Topf

Features
Read full description

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: category, amount, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. AUTOMATIC ENTRY Connect Apple Pay, bank notifications or bank SMS once, and every payment automatically becomes a transaction in your book, with its category and account already chosen. Requires iOS 26, bank notifications iOS 27. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input and receipt scanning require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input, receipt scans and automatic entry, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/

Screenshots

Subly4 screens
Topf4 screens

Verdict

The call

The clearest difference is update cadence: Topf at every 3 days against Subly's every 3 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Subly sells 2 in-app purchases, starting at $0.99 per month and Topf sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Subly ships an update every 3 weeks, Topf every 3 days. The most recent releases landed on October 26, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 5 level
Subly versus Topf: the parameters behind the verdict, then further details
ParameterSublyTopf
PriceFreeFree
Update frequencyEvery 3 weeksEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, Apple Watch — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size5 MB61 MB
Age rating4+4+
DeveloperJorge Valderrama SanchezAndrey Fedyukov

In-app purchases

2 purchases

Subly

Subscriptions2
  • Subly Monthly$0.991 Month
  • Subly annual$8.991 Year
3 purchases

Topf

Subscriptions2
  • Topf Plus Monthly$3.991 Month
  • Topf Plus Yearly7 Days trial$24.991 Year
One-time1
  • Topf Plus Lifetime$69.99

Questions

Is Subly free?
Subly is free to download, with in-app purchases available.
Is Topf free?
Topf is free to download, with in-app purchases available.
Do Subly or Topf have ads?
Neither Subly nor Topf shows ads.
Which is updated more often, Subly or Topf?
Subly ships an update every 3 weeks, and Topf every 3 days. Most recently, Subly was updated on October 26, 2026 and Topf on October 31, 2026.

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