Cardeyra vs Submorrow

Cardeyra is an iPhone subscription tracker that keeps website memberships, app subscriptions, and recurring bills together as cards in one wallet. See renewal dates, payment records, and what you spend at a glance. FREE FEATURES • Subscription cards: filter by category, drag to reorder, switch between a card stack and a list, and pause, archive, or keep a wishlist. • Renewal reminders: choose how many days and what time before a charge you want to be notified, with a separate alert when a free trial is ending (the free plan includes one reminder per subscription). • Bills and spending: monthly and daily averages, payment records, and upcoming bills, with multi-currency conversion. • Wallets and automatic bookkeeping: record top-ups and balances and link them to subscription payments. Automatic bookkeeping only updates your payment records; it never pays, renews, or cancels anything for you. • Screenshot scanning: AI is enabled by default, with consent before the first upload. Turn AI off for on-device OCR. Built-in AI sends your chosen image through Cardeyra to a third-party model provider. If its allowance is used up, it is busy, or certain service errors occur, the app tries on-device scanning. You can also configure your own API Key or compatible service; images then go directly to that service. Your provider’s own charges and limits apply. • Widgets: Home Screen widgets show monthly spending and your next payment, plus a free Lock Screen widget. CARDEYRA PRO Buy Pro once or subscribe yearly. Either way you unlock the same 16 advanced features, and everything else stays free: • Analysis and organization: spending trends, category analysis, and budgets; multiple wallets; tags and custom fields; multiple reminder times with Calendar sync; photo attachments. • Advanced tools: price monitoring; public App Store in-app purchase offers and popular plans; Shortcuts; game search setup. • Sync and security: iCloud sync; WebDAV backup; Face ID app lock with a configurable auto-lock time; app switcher privacy cover and hidden amounts and names in widgets. • Appearance: all card styles and wallet covers; alternate app icons; all widgets. Annual subscriptions renew automatically within 24 hours before the end of the current period unless you turn off auto-renewal at least 24 hours before it ends. You can manage or cancel any time in your Apple Account settings. Prices are as shown in the App Store. Public in-app purchase offers may omit some plans or promotions, so verify actual prices in the store. PRIVACY No ads and no tracking. Every free feature works without an account; signing in is optional (Sign in with Apple, Google, or an email code) and is used only to carry Pro across your devices; several sign-in methods can be linked to one account. You can delete the account inside the app. Your subscription data stays on your device, and with Pro you can sync it through your own iCloud. Third-party credentials are kept in the local Keychain. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://cardeyra.com/en/privacy

Submorrow keeps every subscription in one place. Streaming, music, cloud storage, AI tools, fitness classes, software plans... subscriptions keep adding up, and charges arrive from everywhere. Submorrow gathers them in one place, reminds you before each charge, and shows clearly what you spend each month and each year. SEE EVERY SUBSCRIPTION AT A GLANCE • 200+ popular services built in, with brand icons matched automatically • A card-style home screen ordered by billing date • A calendar that shows every charge day by day • Monthly, yearly, one-time and custom billing periods, plus free-trial end dates • Your own categories and payment methods GET REMINDED BEFORE EACH CHARGE (Pro) • Choose how many days ahead to be reminded for each subscription • Never be surprised by a trial ending or a yearly renewal again UNDERSTAND YOUR LONG-TERM SPENDING (Pro) • Monthly, yearly and all-time views • Breakdowns by brand, category, payment method and currency • History, changes and milestones that show what subscriptions really cost you HOME SCREEN WIDGETS (Pro) • Small, medium and large sizes showing this month's spend and upcoming charges • Material themes inspired by Eastern crafts, dynasties, museum collections and world crafts YOUR DATA STAYS YOURS • No account needed; your records are stored on your device • Optional iCloud sync (Pro) to your own private iCloud, which the developer cannot read • Optional ledger encryption, with backup files protected by a password you choose • No ads, no tracking FREE AND PRO The free version records up to 3 subscriptions and includes the home screen, calendar, categories and payment methods. Pro unlocks unlimited subscriptions, billing reminders, statistics, home screen widgets, iCloud sync, multiple currencies, and every future Pro feature. Pro comes in two plans: • Yearly: renews automatically every year • Lifetime: a one-time purchase that never expires About auto-renewal: • Payment is charged to your Apple Account at confirmation of purchase • The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period; the renewal is charged within 24 hours before the period ends • You can manage or cancel your subscription in your Apple Account settings after purchase Privacy Policy: https://yizhe21803.github.io/guanyu-legal/ai-bill/privacy.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/