Comparison

My Bills++ vs Loans Ruler

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

Head to head
About

My Bills++

This app helps you manage all your bills, track due dates, and receive timely reminders to avoid late fees. It offers a dashboard, bill tracking with recurring options, customizable alerts, and visual calendar views. Gain insights into your spending with detailed reports and secure your data with PIN or Touch ID.

Highlights
  • Bill tracking and reminders
  • Recurring bill setup
  • Payment dashboard
  • Calendar view
  • Financial reports
  • Category filtering
  • Automatic iCloud sync
  • PIN and Touch ID security
Features
Read full description

Never miss a payment! My Bills++ is the only app you need to track all your bills, when they are due and to notify you ahead of when they are due. There is no need to miss a payment or pay a late fee. Let My Bills++ do the heavy lifting for you so you can focus on your busy life. * Dashboard/Today Widget Whenever you launch My Bills++, you will be showed the payment dashboard. Quickly see what bill payments are past due and what are coming up. From the Dashboard, you can flag a payment as paid, make a partial payment or even change the amount for an upcoming bill. If want to delete a payment, you can do that to. * Bill Tracking Enter in all you bills. You can set interval to repeat a bill so there is no need to enter in bill information more than once. Enter in phone numbers, account numbers and websites. My Bills++ can call these phone numbers right from within the app. You can setup bills to auto pay as well. No need to manually go in and tend to each and every payment if you don’t want. * Alert Notifications For each bill you can setup to be notified a number of days ahead of time. You can also pick the time of day to be notified. We understand that you lead a busy life, when you get a push notification, you will have the ability to snooze the alert to show again at a later time. * Calendar If you prefer to see your bills visually, use the built in calendar view. At a quick glance you can see what days have bills due. You can also see visually how many bills needs to be paid and if there are large bills due on a specific day. * Reports Let My Bills++ tell you where you money is going. My Bills++ has robust line graphs and beautiful pie charts. Setup as many report templates you need. Look all all your bill or a specific category - it's up to you. *Category Filters Assign each bill to one or more categories and filter the Dashboard, Bills or Calendar view to only show the bills for the selected category. * Automatic Sync/Backup My Bills++ uses your iCloud account to store your data. There is no need to account logins or backing up your data. In fact, syncing between device using the same iCloud account is seamless and automagical. * Security My Bills++ has built in security. You can enable a pin code to access the app. You can take this one step further by enabling Touch ID so you can get into the app with just your finger. * Drag and Drop (iPad) My Bills++ fully supports iOS 11’s drag and drop on the iPad. Drag out payment, bill and report information into whatever app you need. * Themes My Bills++ has many color schemes to choose from. Don’t like the default orange? Pick something that better suits your style. We are certain that My Bills++ will meet all your needs. So, make the leap with Jump Gap Software's My Bills++.

About

Loans Ruler

This app helps individuals and professionals create complex financial amortization plans with customizable repayment schedules. It allows for detailed calculations of loan variables, supports fixed and variable rates, and offers export options for easy sharing. Calculations can be done on a monthly or daily basis, with no network required.

Highlights
  • Build complex amortization plans
  • Calculate loan variables (installment, rate, duration, capital)
  • Manage fixed and variable rates
  • Export calculations to text, Excel, and PDF
  • Monthly and daily calculation basis
  • Multi-document management
  • Compare different amortization methods
Read full description

Are you a bank or financial advisor, an entrepreneur or a private individual who needs to sign up for financing or installment purchases? - build financial amortization plans, from the simplest to the most complex, with the French and Italian methods; it is also possible to foresee a pre-amortization period and a personalized final installment. - calculate all the variables of the repayment plan (installment, rate, duration and initial capital), one as a function of the other. You can set a target value and adapt all other to fit your needs. - manage repayment plans with both fixed and variable rates. - export of the calculations performed and the plans created in text, Excel and PDF format, allowing immediate sharing via Messages, Mail, Whatsapp and AirDrop. Plans can be calculated and built on both a monthly and daily basis. Variable values ​​can be set simply by dragging sliders, or by typing them using the traditional numeric keypad. No network required. Loans Ruler has been rewritten in SwiftUI with improvements in interface and ease of use. You can select one or more variables and graphically display their trend over time You can also compare the behavior of the variables using different amortization methods (French and Italian) applied to the same plan. The app is multi-document and automatically creates its folder on the iOS where documents are saved. Document can be renamed, reopen, modified and shared directly inside the App. Available for iPhone, iPad and Mac. Once downloaded for one device, the App is free for the other two. The investment is one-time and there are no outlays for all future updates.

Screenshots

My Bills++4 screens
Loans Ruler1 screens

Verdict

The call

The clearest difference is review sentiment: Loans Ruler at 100% against My Bills++'s 32%. Loans Ruler also leads on in-app purchases (none vs 1) and update cadence (weekly vs every 2 weeks). My Bills++'s advantage is price (Free vs $5.99) and iOS requirement (15.0 vs 17.4). On ads 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

My Bills++ is free to download; Loans Ruler costs $5.99 up front. My Bills++ sells 1 one-off in-app purchase. Loans Ruler asks for nothing beyond the download.

UpkeepUpdate frequency

My Bills++ ships an update every 2 weeks, Loans Ruler weekly. The most recent releases landed on October 24, 2026 and October 13, 2026 respectively.

Scorecard6 real differences · 4 level
My Bills++ versus Loans Ruler: the parameters behind the verdict, then further details
ParameterMy Bills++Loans Ruler
PriceFree — better$5.99
Rating4.3 (2.6K ratings) — better—
Positive reviews31.7% of reviews100.0% of reviews — better
Number of ratings2.6K — better—
Update frequencyEvery 2 weeksWeekly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases — betterPaid
DevicesiPhone, iPad, iPodiPhone, iPad, Mac
Requires iOS15.0 — better17.4
Further details — not scored
Size18 MB2 MB
Age rating4+4+
DeveloperJames SpencerMaurizio Todeschi

Customer experience

My Bills++

All ratings2,617 ratings
Positive83.1%
Neutral4.0%
Negative12.8%
Written reviews161 reviews
Positive31.7%
Neutral7.5%
Negative60.9%

Loans Ruler

Written reviews15 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

My Bills++

Reported bugs

4 issues
  • Bills disappearing
  • Duplicate bills appearing
  • Paid bills showing as unpaid
  • Calendar not syncing correctly

Requested features

4 requests
  • Add income tracking
  • Ability to edit paid bills
  • Option to set custom due dates
  • Duplicate bill entry feature

Loans Ruler

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

My Bills++

One-time1
  • Full Upgrade$1.99
None

Loans Ruler

No in-app purchases

Questions

Is My Bills++ free?
My Bills++ is free to download, with in-app purchases available.
Is Loans Ruler free?
Loans Ruler costs $5.99, with no in-app purchases.
Do My Bills++ or Loans Ruler have ads?
Neither My Bills++ nor Loans Ruler shows ads.
Which is updated more often, My Bills++ or Loans Ruler?
My Bills++ ships an update every 2 weeks, and Loans Ruler weekly. Most recently, My Bills++ was updated on October 24, 2026 and Loans Ruler on October 13, 2026.

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