Comparison

Smart Spend vs bil

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

Head to head
About

Smart Spend

This app helps you actively understand and transform your spending habits through hands-on learning and financial insights. It offers customized budgeting tools, engaging trivia, and advanced analysis without linking bank accounts, prioritizing your privacy. Receive daily feedback and earn rewards for improving your financial discipline.

Highlights
  • Active spending and savings tracking
  • Financial pattern identification
  • Spending knowledge trivia game
  • Customizable budgeting (Cash Pool, MicroBudgets)
  • Advanced search and filter tools
  • Privacy-focused, no bank linking
  • Siri integration and iOS widgets
Features
Read full description

Revolutionize Your Finances with Smart Spend – The Active Budgeting App Why Smart Spend? Unlike traditional budgeting apps, Smart Spend focuses on empowering you to understand and transform your spending habits actively. Our approach is hands-on and educational, ensuring that you're not just tracking expenses but learning from them. Key Features: - Hands-On Learning: Track spending and savings actively, without linking bank accounts. - Financial Insights: Discover patterns in your spending and identify saving opportunities. - Spending Trivia: Engage with our unique trivia game to test your spending knowledge and improve your 'Smart Score'. - Customized Budgeting: Tailor your budget with features like 'Cash Pool' and 'MicroBudgets' – perfect for irregular incomes and special occasions. - Advanced Analysis: Utilize powerful search and filter tools to dissect your spending. - Privacy First: Your data stays on your device. No need for personal details or bank logins. What Sets Us Apart? - Forever Free: We believe that managing money shouldn't come with a price tag. - Real-World Impact: Quickly see how everyday purchases affect your budget. - Innovative Modes: 'First Mile' and 'Cash Pool' cater to unique financial situations. - Interactive Learning: Earn trophies and points as your spending habits improve. - Convenient Integration: Use Siri for entries, import .csv files, and enjoy iOS widgets. - Daily Feedback: Receive personalized spending notifications each evening. Our Philosophy: We believe in old-school budgeting where you're aware and in control. It's about practice, repetition, and leveraging technology and discipline to meet your financial goals. Start Your Journey Today with Smart Spend! Download now to transform your financial habits, save more, and enjoy a healthier financial life. Privacy Policy: https://smartspendapp.com/privacy User Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

bil

Read full description

Flexible, simple bill tracking. We believe you should have more control over how you track finances, so we set out to build bil with flexibility and simplicity in mind. Have a bill that's due every 3 months? Go ahead and add it, as is. Pitching in $25 every week when you carpool to work? Weekly expenses are welcomed here, too. Keep forgetting about that yearly subscription until you see it hit your bank account? We can help. bil gives you the ability to visualize your cash flow, in our out, in a number of different ways and allows you to group it in whatever way you see fit.

Screenshots

Smart Spend4 screens
bil4 screens

Verdict

The call

The clearest difference is ads: bil at none against Smart Spend's shown. On price, update cadence, 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Smart Spend ships an update every 8 days, bil weekly. The most recent releases landed on October 8, 2026 and October 12, 2026 respectively.

Scorecard1 real difference · 9 level
Smart Spend versus bil: the parameters behind the verdict, then further details
ParameterSmart Spendbil
PriceFreeFree
Rating4.7 (257 ratings) — better—
Positive reviews83.8% of reviews—
Number of ratings257 — better—
Update frequencyEvery 8 daysWeekly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size75 MB13 MB
Age rating4+4+
DeveloperScicotherapy Labs LLCRollingbit LLC

Bugs and requests

Smart Spend

Reported bugs

4 issues
  • App crashes immediately upon opening after update
  • Hourly income input glitch, defaults to $45
  • Cannot edit/delete previous entries
  • Cannot edit bill information, only delete and re-enter

Requested features

8 requests
  • Visualize cash pool growth
  • Add additional income sources (bonus, etc.)
  • Ability to change savings by numbers, not just percentage
  • Show difference when adding a purchase to see remaining spendable amount
  • Add more themes/color options
Show 3 more
  • Watch compatibility for quick transactions and basic overview
  • Option for weekly expense entries
  • Ability to edit bill information directly

bil

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Spend

No in-app purchases

None

bil

No in-app purchases

Questions

Is Smart Spend free?
Smart Spend is free to download, with no in-app purchases.
Is bil free?
bil is free to download, with no in-app purchases.
Do Smart Spend or bil have ads?
Smart Spend shows ads; bil does not.
Which is updated more often, Smart Spend or bil?
Smart Spend ships an update every 8 days, and bil weekly. Most recently, Smart Spend was updated on October 8, 2026 and bil on October 12, 2026.

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