Comparison

Bills io vs Loop

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

Loop

Track recurring bills, costs, and due dates to avoid missed payments and unexpected charges. Receive timely notifications for upcoming bills and expiring free trials. Secure your financial data with biometric authentication.

Highlights
  • Bill cost and currency tracking
  • Due date and frequency management
  • Charge history view
  • Bill and free trial reminders
  • Customizable notification timing
  • Biometric data protection
Features
Read full description

**No surprises** Track information like cost, currency, due date, frequency, and more to stay on top of your bills. You can easily see which bills are coming and how much you need to pay. You can also see the charges history of your bills without having to check your bank account. **Never missed out** Get notified when your bills are coming or your free trials are ending. You can set whenever you want to be notified, at the due date, one day before, two days before, or even one week before. The notifications will arrive to your phone to remind you that your bills are coming so you never missed out. **Secure by default** We take security and privacy seriously so we allow you to protect your data by using biometric authentication. And so much more... Download Loop now so you can start getting the benefits! **Notes** Loop cannot start, cancel, pause, or modify bills or subscriptions for you. Please contact the service directly if you want to start, cancel, pause, or modify bills or subscriptions.

Screenshots

Bills io4 screens
Loop4 screens

Verdict

The call

The clearest difference is review sentiment: Bills io at 74% against Loop's 0%. Bills io also leads on rating (4.7 vs 4.0) and ratings volume (34 vs 4). Loop's advantage is update cadence (daily vs every 6 weeks) and iOS requirement (15.0 vs 26.0). On price, ads, in-app purchases and monetization model 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 Loop sells 1 one-off in-app purchase. 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 4.0. That said, the two scores are not equally well evidenced: Bills io has 34 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 74% of Bills io's written reviews are positive against 0% of Loop's.

UpkeepUpdate frequency

Bills io ships an update every 6 weeks, Loop daily. The most recent releases landed on September 18, 2026 and September 8, 2026 respectively.

Scorecard5 real differences · 5 level
Bills io versus Loop: the parameters behind the verdict, then further details
ParameterBills ioLoop
PriceFreeFree
Rating4.7 (34 ratings) — better4.0 (4 ratings)
Positive reviews73.7% of reviews — better0.0% of reviews
Number of ratings34 — better4
Update frequencyEvery 6 weeksDaily — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Mac — betteriPhone, iPod
Requires iOS26.015.0 — better
Further details — not scored
Size45 MB11 MB
Age rating17+4+
DeveloperStudio Ember LLCWilliam Kurniawan

Customer experience

Bills io

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

Loop

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews4 reviews
Positive0.0%
Neutral25.0%
Negative75.0%

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
1 purchases

Loop

One-time1
  • Premium$3.99

Questions

Is Bills io free?
Bills io is free to download, with in-app purchases available.
Is Loop free?
Loop is free to download, with in-app purchases available.
Which has better reviews, Bills io or Loop?
Bills io is rated higher. Bills io averages 4.7 out of 5 from 34 ratings, while Loop averages 4.0 from 4 ratings.
Do Bills io or Loop have ads?
Neither Bills io nor Loop shows ads.
Which is updated more often, Bills io or Loop?
Bills io ships an update every 6 weeks, and Loop daily. Most recently, Bills io was updated on September 18, 2026 and Loop on September 8, 2026.

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