Wealthfront vs Substrack

CASH ACCOUNT: EARN UP TO 4.45% Annual Percentage Yield (APY) Earn a 3.55% base APY from program banks—and even higher. Pay zero account fees, get free instant withdrawals to eligible accounts, and access over 19,000 free ATMs. New clients get a 0.65% APY boost for three months. Stack your boost with a long-term 0.25% increase when you direct deposit $1,000 a month and fund an investing account. Terms and conditions apply. Learn more at wealthfront.com/cash. THE WEALTHFRONT PORTFOLIO: EXPERT-BUILT ETF PORTFOLIOS Hands-off investing made easy. We’ll recommend a globally-diversified portfolio of index funds that’s personalized for you. We automatically handle the trades, reinvest your dividends, and help lower your taxes through tax-loss harvesting. INVEST IN STOCKS WITH ZERO COMMISSIONS Buy the ETFs and stocks that you believe in. Get started for as little as $1 and no commission fees. UPGRADE YOUR S&P 500® INVESTING Invest directly in stocks of the S&P 500® and we’ll manage everything for you. We handle all the trades and take advantage of dips in the market to look for opportunities to lower your tax bill. BUILD YOUR WEALTH IN ONE PLACE Get a big-picture view of your finances and make sure you’re on track now and into retirement. Say goodbye to multiple apps and forgotten passwords, and take the guesswork out of building wealth. The information contained in this communication is for general informational purposes only should not be construed as tax advice, an offer, recommendation, or solicitation to buy or sell any security. Cash Account offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. *The Annual Percentage Yield (“APY”) on cash deposits as of September 18, 2026, is representative, subject to change, and requires no minimums. We convey funds to program banks who accept and maintain deposits, provide the variable APY, and provide FDIC insurance. How to earn 4.45% APY for a limited time: New clients are eligible to receive a one-time 0.65% APY increase for 3 months on up to $150,000 in their Cash Account. In addition, the Direct Deposit Plus Investing Program (“DDI Program”) from Wealthfront Advisers LLC and Wealthfront Brokerage LLC collectively, “Wealthfront” provides eligible clients a 0.25% APY increase that can apply to the full Cash Account balance if you direct deposit $1,000 per month into the Cash Account plus fund and maintain an investing account. Wealthfront may change or end the program at any time and determines eligibility at its discretion. See full Terms and Conditions for both promotions at wealthfront.com/promo-terms. Product images show Wealthfront’s free, software-based financial planning tool, Path, which helps users optimize their finances to meet certain goals. The information provided by the images is for illustrative purposes only and is not investment advice or performance. Users should not rely on this information as a basis of investment, financial, or tax planning decisions. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Diversification and automated investing do not guarantee profits or prevent losses. Results vary by strategy and time horizon. Index funds and ETFs provide broad diversification but can still carry market, sector, or asset-class risks. See Full Disclosure at wealthfront.com/legal/disclosure for more info. See the final slide image for additional important disclosures about the S&P 500 Direct, tax-loss harvesting, and more. Copyright 2026 Wealthfront Corporation. All rights reserved.

WRANGLE THOSE WILD SUBSCRIPTIONS, HERO. Your coins are escaping into the digital void every month and you don't even know where they're going. Substrack and Penny the Horse will be your personal finance guardian, tracking all your subscriptions in one totally algebraic place. Peep your monthly and yearly totals faster than a horse at races. Understand your spending by category, and reclaim your treasure hoard. AWESOME POWERS * Easy Subscription Wrangling - Add all your subscriptions with just a few taps. Corral Netflix, Spotify, Adobe, iCloud, and whatever other mystical services are draining your wallet. * Instant Math Magic - Your monthly and yearly costs appear automatically. Zero brain-melting required. * Quick Stats Scrolls - Get the juicy intel: average cost per subscription, total categories, yearly damage, and how much vanishes each day. * Clean UI - A minimal and simple interface that won't harsh your mellow. Tracking subscriptions shouldn't cause friction but better than your notes app. * Fort Knox Privacy - Your secrets stay in your device. No accounts, no creepy tracking, no annoying ads. Just you and your data, chillin'. * Works in the Wilderness - No internet? No problem. Your info lives right on your device, like a loyal sword in your inventory. PERFECT FOR ADVENTURERS LIKE * Anyone juggling multiple streaming potions, software spells, or recurring quests * Coin-savers ready to banish unnecessary expenses to the abyss * Budget warriors who demand to know exactly where their loot disappears to * Privacy champions who want a simple, ad-free adventure SUBSTRACK IS SO NEAT One righteous tool that does one thing spectacularly: helps you understand where your subscription coins are actually going. Download Substrack today and start your quest toward financial enlightenment.