# BillVault: Bill Tracker — Subscriptions & bill reminders > Personal finance app for tracking bills, subscriptions, and spending with privacy focus. (iPhone/iPad app by David Long.) - Source: https://appshunter.io/ios/app/billvault-bill-tracker/id6808041226 (this page in markdown: same URL + `.md`) - Developer: [David Long](https://appshunter.io/developer/6794790595) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 26.0 · 6 MB - Languages: American English - Released: 2026-09-11 - Data updated: 2026-10-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/billvault-bill-tracker/id6808041226/reviews.md ## What is BillVault? Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html ## Key features - Bill and subscription tracking - Automated bill reminders - Spending analysis by category - Bill scanning and import - Subscription cancellation assistance - Free trial and price rise alerts - Privacy-focused design ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | BillVault Pro Yearly | $29.99 | per year | | BillVault Pro Monthly | $3.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | BillVault Pro Lifetime | $79.99 | one-time | ## Frequently asked questions about BillVault ### How does BillVault help with bill reminders? BillVault sends reminders three days before a bill is due and on the due date itself. It also provides a calendar view of all upcoming bills with daily totals and highlights overdue bills. ### Can BillVault help me cancel unwanted subscriptions? Yes, BillVault can draft cancellation emails for subscriptions and provides a phone-call brief with talking points. It also flags free trials before they convert and detects duplicate services. ### What kind of spending insights does BillVault offer? BillVault categorizes spending, identifies top merchants, and shows month-over-month trends. It also calculates safe spending amounts until payday and allows for budgeting per category. ### Is BillVault secure and private? BillVault is built for privacy, with no account or bank login required, and no data sent to the developer. It uses Face ID lock and stores card numbers in the Keychain. On iOS 27, it leverages Apple's Private Cloud Compute for enhanced privacy. ### What are the subscription options for BillVault Pro? BillVault offers a Pro Monthly subscription for $3.99 and a Pro Yearly subscription for $29.99, which includes a 7-day free trial. ### Does BillVault have ads? No, BillVault does not have advertisements. The free version tracks unlimited bills with reminders, and premium features are available through optional subscriptions. ### What devices is BillVault available on? BillVault is available on iPhone, iPad, and Apple Watch, with complications and widgets for quick access to bill information. ### How often is BillVault updated? The latest version, 1.2, was released on September 29, 2026, indicating regular updates to improve functionality and add new features. ## Version history (last 4 releases) ### 1.2 — 2026-09-29 • A new look: clearer cards, one calm palette, and Liquid Glass where iOS puts it. • Ask, Reason it through, the daily briefing and cancellation letters can use Apple's larger model on iOS 27, with real reasoning. Switch it off in Settings and they run on your iPhone instead. • On iOS 27, point Visual Intelligence at a paper bill and BillVault finds it or offers to add it. Say "Mark Rent paid in BillVault" to Siri. Statement imports are ready to save straight away while merchants are named in the background. • Every link on Home, in notifications and on widgets opens the screen it names. ### 1.1.1 — 2026-09-18 Built for iOS 27. • Ask and Reason it through can use Apple's larger model on Private Cloud Compute, with real reasoning. Not even Apple can read your questions, and you can switch it off in Settings. • Everyday questions are answered instantly by the app itself: what is due, what is overdue, what your bills add up to, how much a bill is. • Scan a bill and Apple Intelligence reads the photo directly. • Your bills appear in Spotlight search, and a bill tapped there opens straight away. • A new tall widget shows the month ahead. • Swipe a bill on Home to mark it paid or delete it. • Redeem a promo code for Pro, and share BillVault with a friend, from Settings. • Fixes a freeze when opening a bill or another screen from Home after scrolling. • Every link on Home, in Settings, in notifications and on widgets now opens the screen it names. ### 1.1 — 2026-09-16 Built for iOS 27. • Ask and Reason it through can use Apple's larger model on Private Cloud Compute, with real reasoning. Not even Apple can read your questions, and you can switch it off in Settings. • Everyday questions are answered instantly by the app itself: what is due, what is overdue, what your bills add up to, how much a bill is. • Scan a bill and Apple Intelligence reads the photo directly. • Your bills appear in Spotlight search, and a bill tapped there opens straight away. • A new tall widget shows the month ahead. • Swipe a bill on Home to mark it paid or delete it. • Redeem a promo code for Pro, and share BillVault with a friend, from Settings. ### 1.0 — 2026-09-11 No release notes. ## Apps similar to BillVault | App | Rating | Price | Category | | --- | --- | --- | --- | | [PocketPeas](https://appshunter.io/ios/app/pocketpeas/id6805855535) | — | Free | Finance | | [Prism: Subscription Manager](https://appshunter.io/ios/app/prism-subscription-manager/id6756632643) | — | Free | Finance | | [Creditship: AI Credit Coach](https://appshunter.io/ios/app/creditship-ai-credit-coach/id6755405665) | 4.9 (7) | Free | Finance | | [Bulk IPO Apply NEPSE](https://appshunter.io/ios/app/bulk-ipo-apply-nepse/id6745500061) | 5.0 (7) | Free | Finance | | [SactoCU](https://appshunter.io/ios/app/sactocu/id1413880148) | 4.8 (1,801) | Free | Finance | | [Dollarbird - Budget Calendar](https://appshunter.io/ios/app/dollarbird-budget-calendar/id1214299218) | 4.7 (3,478) | Free | Finance | ## More apps by David Long - [KeyGuide](https://appshunter.io/ios/app/keyguide/id6794790593) - [Bill Manager: Due Date Tracker](https://appshunter.io/ios/app/bill-manager-due-date-tracker/id6797415579) - [Word Drop: Arcade Word Game](https://appshunter.io/ios/app/word-drop-arcade-word-game/id6798506174) - [Toon Tycoon](https://appshunter.io/ios/app/toon-tycoon/id6798890225) - [Neon Isles](https://appshunter.io/ios/app/neon-isles/id6799392668) - [Jobsheet: Contractor Invoice](https://appshunter.io/ios/app/jobsheet-contractor-invoice/id6801967923) All apps by David Long: https://appshunter.io/developer/6794790595 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-01.*