Comparison

MarketSim vs Ugh, Bills

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MarketSim

Learn about the stock market and test trading strategies with a virtual stock game. Start with $10,000 virtual cash and place unlimited trades using live quotes and historical data. Monitor your portfolio with a beautiful and simple interface.

Highlights
  • Virtual stock market simulation
  • Unlimited trading with $10,000 virtual cash
  • Over 5000 tradeable symbols
  • Live stock quotes and historical data
  • Easy portfolio monitoring
  • Beautiful and simple design
Read full description

Real markets. Play money. Start with $10,000 in virtual cash and trade real stocks at real prices. Build a portfolio, try out an idea, and see how it does without risking any real money. TRADING • Buy and sell stocks with virtual cash at real market prices. • Trade by dollar amount or number of shares, including fractional shares. • Orders placed while the market is closed fill at the next open. • See every order you've placed in your order history. RESEARCH • Search for companies by name or ticker. • Browse the day's most active stocks, top gainers, and top losers. • View price charts, company profiles, and key stats. • Add stocks to your watchlist to keep an eye on them. YOUR PORTFOLIO • Follow your portfolio's value over time. • See shares, average cost, and total return for each holding. • See how each position contributes to your portfolio. • Dividends are paid and stock splits are applied automatically. MARKETSIM PREMIUM • Up to 10 portfolios, each with its own cash, holdings, and history. • Pick any starting balance from $1 to $1 billion for new portfolios. • Refresh quotes anytime with no cooldown. • No ads. MarketSim is a simulator for learning and entertainment. All trades, balances, and returns are simulated. Virtual cash has no monetary value and cannot be withdrawn. Nothing in the app is investment advice. Market data may be delayed or inaccurate, and simulated performance does not predict real investment results. Premium is an optional subscription that renews yearly until canceled. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://thirdlinellc.com/#privacy-policy

About

Ugh, Bills

Features
Read full description

Ugh, Bills helps you understand what your money needs next without building another budget you have to maintain. SEE THE SHAPE OF YOUR MONTH • A clear Money Brief explains how much income is already committed • Payday Runway shows what remains after known bills before your next deposit • Calendar and forecast views make upcoming obligations visible • One Thing mode gives you a single next move FIND THE PROBLEMS HIDING IN THE TOTALS • Detect bills that cluster before payday • Surface cost increases and quiet subscription leaks • Turn annual and quarterly bills into realistic monthly reserves • Track recorded fees and financial friction without shame KEEP BILLS OUT OF YOUR HEAD • Add bills manually in seconds • Capture rough thoughts such as “electric about 120 midmonth” • Get timely reminders before bills are due • Mark payments and build an honest on-time record • Use shame-free wording when you need facts without judgment ALMANAC PREMIUM Connect bank and card accounts securely through Plaid so Almanac can find recurring bills, detect income, keep balances current, and update insights automatically. Manual bills, calendars, reminders, income, and core insights remain free. Almanac is a planning and tracking tool. It does not move money, pay bills, provide financial advice, or guarantee account balances. Pending transactions and spending outside Almanac can change projections. End User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

MarketSim4 screens
Ugh, Bills3 screens

Verdict

The call

The clearest difference is ads: Ugh, Bills at none against MarketSim's shown. Ugh, Bills also leads on update cadence (every 6 days vs every 2 months) and iOS requirement (16.4 vs 18.0). On price, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. MarketSim sells 2 in-app purchases, starting at $19.99 per year and Ugh, Bills sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

MarketSim ships an update every 2 months, Ugh, Bills every 6 days. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

Scorecard3 real differences · 7 level
MarketSim versus Ugh, Bills: the parameters behind the verdict, then further details
ParameterMarketSimUgh, Bills
PriceFreeFree
Rating4.6 (21K ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings21K — better—
Update frequencyEvery 2 monthsEvery 6 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.4 — better
Further details — not scored
Size41 MB34 MB
Age rating12+4+
DeveloperThird Line LLCJEREMY JAMES HIGHTOWER

Bugs and requests

MarketSim

Reported bugs

3 issues
  • Stocks randomly showing $0 value
  • Crashes when trying to buy/sell certain stocks
  • Incorrect stock split handling

Requested features

5 requests
  • Add ability to short stocks
  • Implement stock splits and dividends
  • Include more advanced order types
  • Add portfolio tracking and analytics
  • Expand stock selection to include more options

Ugh, Bills

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

MarketSim

Subscriptions1
  • MarketSim Premium$19.991 Year
One-time1
  • Remove Ads$2.99
2 purchases

Ugh, Bills

Subscriptions2
  • Almanac Premium Monthly$6.991 Month
  • Almanac Premium Annual$59.991 Year

Questions

Is MarketSim free?
MarketSim is free to download, with in-app purchases available.
Is Ugh, Bills free?
Ugh, Bills is free to download, with in-app purchases available.
Do MarketSim or Ugh, Bills have ads?
MarketSim shows ads; Ugh, Bills does not.
Which is updated more often, MarketSim or Ugh, Bills?
MarketSim ships an update every 2 months, and Ugh, Bills every 6 days. Most recently, MarketSim was updated on October 24, 2026 and Ugh, Bills on October 10, 2026.

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