Comparison

Bills io vs Billsy

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

Head to head
About

Bills io

Organize and track all your recurring and one-off expenses with this privacy-focused finance app. Get timely notifications for upcoming bills and analyze your spending patterns. Data syncs securely across your Apple devices via iCloud.

Highlights
  • Organize bills with tags
  • Track expenses by account
  • Log payment history
  • Export data to Excel/Numbers
  • Receive bill notifications
  • Sync across Apple devices
Features
Read full description

Know exactly where your money goes — without giving up your privacy. Bills io is the simple, privacy-first way to track your recurring expenses, subscriptions, and one-off bills. No bank connection required. No data sold. No algorithms watching your finances. Just you and your bills, organized. YOUR MONEY. YOUR DATA. Bills io syncs privately through your iCloud account using Apple’s CloudKit. Your financial data never touches our servers — we literally can’t see it. Everything stays between you, your device, and your iCloud. STOP LOSING MONEY TO FORGOTTEN SUBSCRIPTIONS The average person is paying for 2–3 subscriptions they’ve forgotten about. Bills io helps you see every recurring charge in one place so nothing slips through the cracks. BILL TRACKING Organize bills with tags and accounts. See exactly how much hits your credit card each month across all your subscriptions — then plan around it. PAYMENT LOG Record payments as you make them. Add notes with Markdown support for links and details. Export everything to CSV whenever you need it. OVERVIEW & NOTIFICATIONS See what’s due this week or month at a glance. Get notified before auto-withdrawals hit or when it’s time to pay manually — all handled locally, never from a server. WORKS ACROSS APPLE DEVICES iPhone, iPad, and Mac. One purchase, everywhere you already work. ◆ FREE TIER Bills io is free — and we mean it. The core experience is fully featured with no paywalls on the essentials. Premium is there if you want deeper organization tools or just want to support an indie developer keeping your data private. ◆ PREMIUM Bills io is fully usable for free. Premium adds powerful organization upgrades for power users — and if you love the app, it’s the best way to support independent development. Available as monthly, annual, or a one-time lifetime purchase. ◆ Payment graphs & average monthly cost charts ◆ Collections, filtering by account & tags ◆ Face ID / Touch ID lock ◆ Custom notification times ◆ CSV export for bills & payments ◆ Payment notes ◆ All future premium features Privacy Policy: https://billsio.com/pages/privacy/ Terms of Use: https://billsio.com/pages/tos/ EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Billsy

Effortlessly manage personal and business finances with a unified dashboard, bill calendar, and automatic reminders. Track subscriptions, gain insights into spending, and avoid financial pitfalls with over 200 pre-filled templates.

Highlights
  • Unified financial dashboard
  • 200+ pre-filled expense templates
  • Comprehensive bill calendar
  • Insightful spend visualization
  • Automatic bill reminders
  • Custom bill entries
  • Exclusive offers
Read full description

Manage Your Personal and Business Finances Effortlessly Billsy is more than just a subscription & bill tracker; it's your comprehensive solution to managing both personal and business finances in one intuitive app. Starting a business is hard, especially in the early stages. Whether it’s starting a Youtube channel, an ecommerce store or a newsletter, the subscriptions start stacking up really quickly. And before you know it you’re paying hundreds of dollars for unused subscriptions. That’s why we built Billsy! At Billsy, our mission is to build the simplest and easiest tool for solo entrepreneurs & creators to streamline your expense tracking and ensure you never waste money on unused subscriptions again. ​​No matter your side hustle, our 200+ pre-filled templates have you covered for keeping track of all those bills and subscriptions. Join the thousands of users who trust Billsy for staying on top of their subscriptions every day. Why Billsy? Cash Flow Mastery: Did you know that 71% of consumers waste over $50 each month on subscriptions they don’t use (src: survey conducted by Chase Bank). 82% of businesses fail because of poor cash flow management. Billsy enables you to stay on top of your cash flow by tracking all expenses efficiently (src: report by the U.S. Bank) Billsy is designed to combat common financial pitfalls, such as unmonitored subscriptions and poor cash flow management, which are major concerns for both individuals and businesses alike. Key Features: 1. Unified Financial Dashboard: Instantly view upcoming bills and monthly expenditures for both personal and business needs. 2. Pre-filled Templates: Simplify expense logging & tracking subscriptions with over 200 templates across 20 categories. 3. Comprehensive Bill Calendar: Track every payment with our visual calendar, ensuring you never miss a due date. 4. Insightful Spend Visualization: Make informed financial decisions with our intuitive charts, breaking down expenses by category for a clear view of your financial health. 5. Automatic Bill Reminders: Receive timely alerts for bill payments and subscription renewals. We also send monthly alerts so that you can stay on top of your monthly recurring bills. 6. Custom Bill Entries: Tailor your expense tracking with flexible bill input options. 7. Exclusive Offers: Enjoy special discounts on business tools and personal purchases. Billsy's Promise: #1 User-Friendly Experience: Navigate your finances with ease, thanks to Billsy's simple yet powerful interface. Data Privacy Commitment: Your privacy is our priority. Billsy requires no bank details, and your information is never sold.You can delete your data or your account anytime. Take Control Today Say goodbye to missed payments, unmonitored subscriptions, and financial uncertainty without the complexity of traditional budgeting. Signing up is free & easy! Download Billsy for FREE and embark on a journey to financial clarity and control. Whether for business or personal use, Billsy is your partner in financial management. Join the thousands of users who trust Billsy for staying on top of their subscriptions every day. Missing a template, want new features, or have any other feedback for us? We’d love to hear from you from you. Please drop us a line at contact@billsyfinance.com

Screenshots

Bills io4 screens
Billsy4 screens

Verdict

The call

The clearest difference is rating: Bills io at 4.7 against Billsy's 3.9. Bills io also leads on ads (none vs shown) and review sentiment (74% vs 53%). Billsy's advantage is iOS requirement (16.0 vs 26.0). On price, ratings volume, update cadence and in-app purchases 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. Bills io sells 3 in-app purchases, starting at $0.99 per month and Billsy sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Bills io holds the better App Store score, 4.7 against 3.9. Both are backed by a comparable volume of ratings — 34 and 24 respectively. Written reviews point the same way: 74% of Bills io's written reviews are positive against 53% of Billsy's.

UpkeepUpdate frequency

Bills io ships an update every 6 weeks, Billsy every 2 months. The most recent releases landed on September 18, 2026 and August 16, 2026 respectively.

Scorecard5 real differences · 5 level
Bills io versus Billsy: the parameters behind the verdict, then further details
ParameterBills ioBillsy
PriceFreeFree
Rating4.7 (34 ratings) — better3.9 (24 ratings)
Positive reviews73.7% of reviews — better53.3% of reviews
Number of ratings34 — better24
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Mac — betteriPhone
Requires iOS26.016.0 — better
Further details — not scored
Size45 MB192 MB
Age rating17+4+
DeveloperStudio Ember LLCGOFORTH TECH VENTURES INC

Customer experience

Bills io

All ratings34 ratings
Positive91.2%
Neutral0.0%
Negative8.8%
Written reviews19 reviews
Positive73.7%
Neutral0.0%
Negative26.3%

Billsy

All ratings24 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews15 reviews
Positive53.3%
Neutral6.7%
Negative40.0%

In-app purchases

3 purchases

Bills io

Subscriptions2
  • Premium (1 Month)$0.991 Month
  • Premium (1 Year)$9.991 Year
One-time1
  • Premium (Lifetime)$39.99
3 purchases

Billsy

Subscriptions2
  • Bills Organizer: Monthly Pro$3.991 Month
  • Bills Organizer: Annual Pro$29.991 Year
One-time1
  • Unlock Billsy Pro$4.99

Questions

Is Bills io free?
Bills io is free to download, with in-app purchases available.
Is Billsy free?
Billsy is free to download, with in-app purchases available.
Which has better reviews, Bills io or Billsy?
Bills io is rated higher. Bills io averages 4.7 out of 5 from 34 ratings, while Billsy averages 3.9 from 24 ratings.
Do Bills io or Billsy have ads?
Billsy shows ads; Bills io does not.
Which is updated more often, Bills io or Billsy?
Bills io ships an update every 6 weeks, and Billsy every 2 months. Most recently, Bills io was updated on September 18, 2026 and Billsy on August 16, 2026.

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