# Bill Karma vs Budgets

The clearest difference is review sentiment: Budgets at 100% against Bill Karma's 50%. Budgets also leads on rating (5.0 vs 3.8). Bill Karma's advantage is update cadence (monthly vs every 3 months) and iOS requirement (12.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Budgets holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 26 and 10 respectively. Written reviews point the same way: 50% of Bill Karma's written reviews are positive against 100% of Budgets's.

Bill Karma ships an update monthly, Budgets every 3 months. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Bill Karma | Budgets |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (26 ratings)](https://appshunter.io/ios/app/bill-karma-budget-planner/id1261090937/reviews) | **[5.0 (10 ratings)](https://appshunter.io/ios/app/budgets/id1465949773/reviews)** |
| Number of ratings | **26** | 10 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free | Free |
| Size | 45 MB | 7 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Footbits, Inc.](https://appshunter.io/developer/1044862635) | [Derek Wene](https://appshunter.io/developer/1465949772) |

## What reviewers say

### Bill Karma

[App page](https://appshunter.io/ios/app/bill-karma-budget-planner/id1261090937)

Manage your budget, track spending, and discover savings opportunities. This app helps you find and cancel unwanted subscriptions and improve your credit score by managing credit card information.

**Highlights:** Budget management, Spending tracking by category, Subscription discovery and cancellation, Credit card management, APR change alerts, AI-powered card recommendations

**Features:** macOS Compatibility, Siri integration

**In-app purchases:** none


### Budgets

[App page](https://appshunter.io/ios/app/budgets/id1465949773)

Easily manage your finances by setting up budgets, tracking spending, and syncing with your bank accounts. Prioritize savings and stay out of debt with tools to monitor your balances and transfer funds between budgets.

**Highlights:** Setup budgets quickly, Sync with bank accounts, Track budget balances, Transfer balance between budgets, Access on mobile and web, Secure data encryption

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Bill Karma free?

Bill Karma is free to download, with no in-app purchases.

### Is Budgets free?

Budgets is free to download, with no in-app purchases.

### Which has better reviews, Bill Karma or Budgets?

Budgets is rated higher. Bill Karma averages 3.8 out of 5 from 26 ratings, while Budgets averages 5.0 from 10 ratings.

### Do Bill Karma or Budgets have ads?

Neither Bill Karma nor Budgets shows ads.

### Which is updated more often, Bill Karma or Budgets?

Bill Karma ships an update monthly, and Budgets every 3 months. Most recently, Bill Karma was updated on October 24, 2026 and Budgets on October 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*