Bills io vs Surplus

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/

Surplus is a monthly expense tracker that takes into account your monthly income, expenses and upcoming payments to provide you with a clear overview of your leftover spend. -- Spend Wisely -- Know how much you have left to spend, including your subscriptions and installments. -- Profile Your Spend -- Categorize your expenses into meaningful groups that drive insights into your spend profile. This can include popular budgeting methods such as the “50/30/20 budget rule” or the “80/20 budget rule”. -- Adaptable Workflows -- Manual or automatic, easily sync and categorize transactions from all your accounts. -- Transaction Collections -- Group related transactions across buckets and time. They can be themed around trips, shared expenses or anything you'd like! -- Widgets -- Customize your home and lock screens with widgets that showcase your leftover spend, upcoming transactions and buckets. -- Interactive Reports -- Customizable reports for your historic and upcoming spend with support for CSV Export. -- Shortcuts -- Automate your expense tracking with actions configurable via the Shortcuts app. Examples include triggering an expense entry when leaving your favorite coffee shop or scheduling spend summaries on a daily, weekly or monthly basis. Actions can be run via Siri, Apple Watch and the Shortcuts app. -- Privately Synced with iCloud -- All financial data is stored on your device(s) and synced privately via your iCloud Account. We do not store any personal information or transaction data on our servers. Surplus is free to use with pro features that can be activated via in-app purchases. Surplus Pro can be purchased as a one time payment or as a recurring subscription. Current pricing and purchase offers are available in the app. By downloading and using Surplus you agree to our terms and conditions: Terms of Use https://surplus.app/terms Privacy Policy https://surplus.app/privacy Surplus is an indie app developed and maintained by Omar Inam. If you have any questions or feedback please feel free to contact me through Twitter @_oinam