# SMART Keys vs What's Due

The clearest difference is in-app purchases: SMART Keys at none against What's Due's 3. SMART Keys also leads on iOS requirement (8.0 vs 26.0). What's Due's advantage is update cadence (every 3 weeks vs every 76 months). On price, ads and device support there is nothing between them.

Both are free to download. What's Due sells 3 in-app purchases, starting at $4.99 per month. SMART Keys asks for nothing beyond the download.

SMART Keys ships an update every 76 months, What's Due every 3 weeks. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | SMART Keys | What's Due |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (324 ratings)](https://appshunter.io/ios/app/whats-due-bill-tracker/id6447707197/reviews)** |
| Number of ratings | — | **324** |
| Positive reviews | — | 77.8% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 76 months | **Every 3 weeks** |
| Monetization | — | Freemium |
| Size | 36 MB | 70 MB |
| Requires iOS | **8.0** | 26.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, Mac, Vision Pro** |
| Age rating | 4+ | 4+ |
| Developer | [Smart Technology Group GmbH](https://appshunter.io/developer/1227640841) | [Semper Phoenix LLC](https://appshunter.io/developer/1457917380) |

## What reviewers say

### SMART Keys

[App page](https://appshunter.io/ios/app/smart-keys/id1449780812)

**Features:** macOS Compatibility

**In-app purchases:** none


### What's Due

[App page](https://appshunter.io/ios/app/whats-due-bill-tracker/id6447707197)

Organize your income and bills to avoid late payments. This app provides reminders, projections, and quick actions to manage your finances efficiently. Sync across devices and secure your data with biometrics.

**Highlights:** Bill reminders, Income and bill tracking, Projected occurrences, iCloud sync, Quick actions for payments, Biometric security, Search functionality

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium (Monthly) | $4.99 | per month |
| Premium (Annual) | $19.99 | per year |
| Lifetime Premium | $59.99 | one-time |

**What reviewers like**

- 👍 Easy to use and simple
- ✨ Clean and modern design
- 🚀 Upgrade from old trackers
- 💡 Very helpful and organized
- ✅ Effective bill tracking

**What reviewers complain about**

- 💸 Paid for premium, data disappears
-  limita Limited to 5 bills without subscription
- ❌ No partial payments
- ❓ Hard to set up and cancel

**Reported bugs**

- Data randomly disappears and reappears
- Auto pay doesn't auto pay bills
- No notifications or reminders

**Requested features**

- Add user to bills
- Calendar view
- One-time payment option
- Dark mode
- Add current savings option


## Frequently asked questions

### Is SMART Keys free?

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

### Is What's Due free?

What's Due is free to download, with in-app purchases available.

### Do SMART Keys or What's Due have ads?

Neither SMART Keys nor What's Due shows ads.

### Which is updated more often, SMART Keys or What's Due?

SMART Keys ships an update every 76 months, and What's Due every 3 weeks. Most recently, SMART Keys was updated on October 26, 2026 and What's Due on October 30, 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.*