Comparison

Bills io vs DimeDiary

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

DimeDiary

Features
Read full description

DimeDiary is a simple and intuitive spending tracker designed to help you manage your finances and control your spending habits. With its clean, modern design and easy-to-use interface, logging your expenses and gaining insights into your consumption patterns is effortless. One of DimeDiary's unique features is its ability to predict your remaining expenditures based on your spending from the previous month. This forecasting tool helps you stay on top of your finances and make informed decisions about your budget. Additionally, DimeDiary provides clear and essential insights into your daily spending, allowing you to compare your expenses to the same day of the previous month, identify trends, and track your progress. Logging your expenses is a breeze with DimeDiary's user-friendly interface. Simply tap to record your purchases and categorize them for easy tracking. The app's clutter-free design keeps you focused on your financial well-being, while the collapsible logs help you keep your spending history organized and easily accessible. DimeDiary's eye-comforting color scheme, provides a pleasant visual experience as you navigate your expenses. The app's minimal design ensures that expense tracking is simple and DimeDiary is a simple and intuitive spending tracker designed to help you manage your finances and control your spending habits. With its clean, modern design and easy-to-use interface, logging your expenses and gaining insights into your consumption patterns is effortless. One of DimeDiary's unique features is its ability to predict your remaining expenditures based on your spending from the previous month. This forecasting tool helps you stay on top of your finances and make informed decisions about your budget. Additionally, DimeDiary provides clear and essential insights into your daily spending, allowing you to compare your expenses to the same day of the previous month, identify trends, and track your progress. Logging your expenses is a breeze with DimeDiary's user-friendly interface. Simply tap to record your purchases and categorize them for easy tracking. The app's clutter-free design keeps you focused on your financial well-being, while the collapsible logs help you keep your spending history organized and easily accessible. DimeDiary's eye-comforting color scheme, provides a pleasant visual experience as you navigate your expenses. The app's minimal design ensures that expense tracking is simple and straightforward. Privacy and security are top priorities for DimeDiary. All of your financial data is stored securely on your device, and the app never collects or shares any of your personal information. Whether you're looking to take control of your spending habits, set financial goals, or simply better understand your consumption patterns, DimeDiary is the perfect tool for you. Download the app today and start your journey towards better financial awareness and smarter spending decisions.. Privacy and security are top priorities for DimeDiary. All of your financial data is stored securely on your device, and the app never collects or shares any of your personal information. Whether you're looking to take control of your spending habits, set financial goals, or simply better understand your consumption patterns, DimeDiary is the perfect tool for you. Download the app today and start your journey towards better financial awareness and smarter spending decisions.

Screenshots

Bills io4 screens
DimeDiary4 screens

Verdict

The call

The clearest difference is in-app purchases: DimeDiary at none against Bills io's 3. DimeDiary also leads on update cadence (every 3 days vs every 6 weeks) and iOS requirement (17.2 vs 26.0). On price, ads 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. Bills io sells 3 in-app purchases, starting at $0.99 per month. DimeDiary asks for nothing beyond the download.

UpkeepUpdate frequency

Bills io ships an update every 6 weeks, DimeDiary every 3 days. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Bills io versus DimeDiary: the parameters behind the verdict, then further details
ParameterBills ioDimeDiary
PriceFreeFree
Rating4.7 (34 ratings) — better—
Positive reviews73.7% of reviews—
Number of ratings34 — better—
Update frequencyEvery 6 weeksEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Mac — betteriPhone, iPad
Requires iOS26.017.2 — better
Further details — not scored
Size45 MB1 MB
Age rating17+4+
DeveloperStudio Ember LLCHeung Ju Ha

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
None

DimeDiary

No in-app purchases

Questions

Is Bills io free?
Bills io is free to download, with in-app purchases available.
Is DimeDiary free?
DimeDiary is free to download, with no in-app purchases.
Do Bills io or DimeDiary have ads?
Neither Bills io nor DimeDiary shows ads.
Which is updated more often, Bills io or DimeDiary?
Bills io ships an update every 6 weeks, and DimeDiary every 3 days. Most recently, Bills io was updated on October 20, 2026 and DimeDiary on October 25, 2026.

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