# Submoney

> Submoney is an iPhone app that tracks subscriptions, bills and recurring payments day by day and shows the exact balance you need to keep in your bank account today to cover every upcoming charge. It needs no bank connection and no account, keeps data on the device, and is free for up to 15 items with a one-time purchase (Submoney Plus) for unlimited items.

Most subscription trackers tell you when you will be charged. Submoney tells you how much to keep in your bank right now.

## Key facts

- Platform: iPhone (iOS) only, on the App Store. No Android version, no web app.
- Category: Finance app for subscriptions, bills and recurring payments.
- Setup: Manual entry. No bank connection, no account, no login.
- Privacy: Data is stored only on the device. Nothing is uploaded, and you can back up or move your data with JSON export and import. The developer runs no server that stores user data.
- Pricing: Free for up to 15 tracked items, with reminders, the payment calendar and widgets. Submoney Plus is a one-time purchase (not a subscription) for unlimited items, full analytics, price history, and export and backup.
- Good fit: People who pay many subscriptions or bills from one account and want to know how much money to leave in it, and people who do not want to link their bank.
- Not a fit: People who want automatic bank-synced expense tracking, full budgeting, or an Android app.
- Developer: Pablo Gamero, an independent developer in Sevilla, Spain (https://pablogamero.com).
- Contact: submoney@pablogamero.com
- App Store: https://apps.apple.com/app/id6759280196

## Features

- Daily required bank balance for upcoming charges
- Money set aside per card or account
- Payment calendar
- Home screen widgets
- Bills with a fixed date, marked as paid
- Variable payments
- Free trial tracking
- Periodic subscription review with a Cancel list
- Pause until a date, price history, split costs, multiple currencies
- Annual spend analytics

## Pages

- [Home](https://submoney.pablogamero.com/): What Submoney does, its features and frequently asked questions
- [Compare](https://submoney.pablogamero.com/compare/): Submoney compared with other subscription trackers and budgeting apps
- [Roadmap & Changelog](https://submoney.pablogamero.com/roadmap): What has shipped and what is planned
- [Privacy policy](https://submoney.pablogamero.com/privacy): What data the app stores and where

## Comparisons (last reviewed 2026-10-05)

- [Submoney vs Rocket Money](https://submoney.pablogamero.com/compare/submoney-vs-rocket-money/): Use Submoney to see exactly what to keep in your bank for recurring payments, with no bank link. Use Rocket Money for bank-linked budgeting and cancellation help.
- [Submoney vs Monarch](https://submoney.pablogamero.com/compare/submoney-vs-monarch/): Use Submoney for a focused view of recurring money and the balance it needs. Use Monarch for a shared, bank-synced view of your whole financial life.
- [Submoney vs Copilot Money](https://submoney.pablogamero.com/compare/submoney-vs-copilot-money/): Use Submoney when you only need recurring payments and the balance to keep for them. Use Copilot Money for full budgeting, cash flow, and investments.
- [Submoney vs Bobby](https://submoney.pablogamero.com/compare/submoney-vs-bobby/): Both are manual trackers. Use Submoney if you also want the required balance, bills, and set-aside money. Use Bobby for a simple iPhone subscription list.
- [Submoney vs Tilla](https://submoney.pablogamero.com/compare/submoney-vs-tilla/): Both track subscriptions by hand. Use Submoney for the balance to keep, bills, and set-aside money on iPhone. Use Tilla if you are on Android and want a subscription manager.
- [Submoney vs Chronicle](https://submoney.pablogamero.com/compare/submoney-vs-chronicle/): Both work without a bank link. Use Submoney for subscriptions, trials, and the exact balance to keep. Use Chronicle for long-running bill organizing across iPhone, iPad, and Mac.
- [Submoney vs Subby](https://submoney.pablogamero.com/compare/submoney-vs-subby/): Both are private, manual trackers with a one-time upgrade. Use Submoney for the daily required balance, bills, and set-aside money. Use Subby for a simple tracker with a large logo library.
- [Submoney vs ReSubs](https://submoney.pablogamero.com/compare/submoney-vs-resubs/): Both track subscriptions without a bank link. Use Submoney for the daily required balance and a one-time upgrade. Use ReSubs for Gmail and screenshot import and cancel guides.
- [Submoney vs Hiatus](https://submoney.pablogamero.com/compare/submoney-vs-hiatus/): Use Submoney to track recurring payments by hand and see the balance they need. Use Hiatus for bank-linked subscription detection, cancellation help, and bill negotiation.
- [Submoney vs YNAB](https://submoney.pablogamero.com/compare/submoney-vs-ynab/): Use Submoney if you only need recurring payments and the balance to keep for them. Use YNAB if you want a full zero-based budgeting system for every dollar.
- [Submoney vs PocketGuard](https://submoney.pablogamero.com/compare/submoney-vs-pocketguard/): Use Submoney to see the exact balance to keep for recurring payments, with no bank link. Use PocketGuard for bank-linked budgeting that shows what is safe to spend.
- [Submoney vs Emma](https://submoney.pablogamero.com/compare/submoney-vs-emma/): Use Submoney to track recurring payments by hand, anywhere, and see the balance they need. Use Emma for UK open-banking budgeting with subscription detection.

## Optional

- [Full text for LLMs](https://submoney.pablogamero.com/llms-full.txt): Every FAQ and comparison on the site in one plain-text file
- [Feedback](https://submoney.pablogamero.com/feedback): Send feedback, bug reports or feature requests
- [Terms](https://submoney.pablogamero.com/terms): Terms and conditions