SpotFunds vs Subscription Tracker

Skip the math. Your bank tells you how much money you have. It doesn't tell you how to make your money last between paydays. SpotFunds is built for that. Always with you. Knows you. Speaks before you spend. It's a spending coach, not a budget tracker. It learns how you spend, builds a pace that's personal to you, and speaks up before you spend. So when it's a day to ease off, you'll know before you leave the house. And when it's a day to go have fun, you'll know exactly how much fun you can afford. Think of a pace like a budget that moves with you. Instead of one fixed number you're trying not to break, SpotFunds tells you what's actually safe to spend right now. That's your Ready-to-Spend® amount, and it exists so you make it to payday with room to breathe. You log what you buy. This keeps you aware of your spending, and it's how the coach learns from you so it can help before you spend instead of just giving you a report after the money's already gone. ALWAYS WITH YOU Your pace on your Home Screen — and on your Mac desktop, nothing to install. One glance, no math. On the way out the door, just ask: "Hey Siri, ask SpotFunds if I can do happy hour Friday." Tell it to log a coffee without opening the app. And pull down on your Home Screen, type "coffee," and your paces, spots, and purchases are right there in Spotlight. Amounts are never indexed. KNOWS YOU The more you log, the sharper the coach gets at your routines: the Friday coffee, the weekend that runs a little high, the work lunches that pile up. Search any pace, spot, or purchase the way you'd say it: "Starbucks last week," "groceries on Wednesday", "eating out last week." SPEAKS BEFORE YOU SPEND A read on your pace first thing in the morning, so if it's a day to ease off, you know before you leave the house. Nothing to remember to check. Turn on SpotCheck, and a quiet heads-up of your Ready-to-Spend® arrives the moment you get somewhere you usually spend, and before you order. Because SpotFunds knows the days and times you actually spend money it offers a more precise heads up when it is needed. So, no constant notifications. They are timed for when you need it. …AND ANSWERS WHEN YOU ASK Thinking about lunch? Tap an amount on the Today tab and see what it does to your pace before you commit. "Can I get lunch today?" "What about coffee?" "What if I spend $40 this weekend?" Your coach already knows your paces, your payday cycle, and your patterns, so you can just ask — in plain language, the way you'd ask a friend who's good with money. Requires Apple Intelligence. Private by design. SpotFunds learns on your iPhone, so nothing about you is collected. When you ask the coach a question on the latest iPhone software, it can use Apple's private cloud for a moment to work out the answer: only your question and the few facts needed to answer it are sent, nothing is stored — not by us, and not by Apple — and your location data is never sent. Know what you can spend before you spend it.

Stop losing money to forgotten subscriptions and surprise card bills. **SubVault** keeps every subscription, credit card due date, and IOU in one simple, private place—with reminders before you get charged. No sign-up. No ads. Your data stays on your device. TRACK EVERY SUBSCRIPTION • Add Netflix, Spotify, ChatGPT Plus, iCloud+, and 25+ popular services in one tap, or create custom subscriptions • See your true monthly and yearly spending at a glance • Sort by renewal date, price, or name • View spending by category to understand where your money goes • Track subscriptions in multiple currencies NEVER MISS A CREDIT CARD BILL • Track due dates for every credit or debit card • Get local reminders 1, 3, 5, or 7 days before bills are due • Mark bills as paid with one tap • Easily identify Visa, Mastercard, Amex, and Discover cards with distinct colors KNOW WHO OWES WHO • Track money you've lent or borrowed • Record repayments and outstanding balances • Add due dates and notes for every transaction • See what you owe and what you're owed at a glance BUILT FOR PRIVACY • Everything is stored securely on your device using Apple's SwiftData • No account, email, or password required • Local reminders stay on your iPhone • Your financial data is never sold or shared for advertising ASK AI — COMPLETELY OPTIONAL • Receive spending insights and savings suggestions • Discover free alternatives and cancellation guidance • Uses Apple Intelligence on supported devices or built-in on-device insights when available WHY PEOPLE CHOOSE SUBVAULT • One app for subscriptions, card bills, and personal loans • Clean, fast, native iOS experience with Light and Dark Mode support • Designed to help you avoid unexpected charges and stay organized SUBVAULT PREMIUM Upgrade to SubVault Premium to unlock: • Unlimited subscriptions • Unlimited credit cards • Unlimited money ledger entries • Removal of free-tier limits Available as Weekly, Monthly, and Yearly auto-renewing subscriptions. Pricing varies by region and is shown in the App before purchase. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription anytime in your Apple ID Account Settings. PRIVACY & TERMS Privacy Policy https://sites.google.com/view/subvault/privacy-policy Terms of Use (EULA) https://sites.google.com/view/subvault/term-of-use SubVault is free to download with optional Premium features. Download today and take control of your subscriptions, bills, and personal finances—all in one secure place.