Bills io vs SubsTracker AI

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/

SubsTracker AI is a refined subscription tracker for people who want to know — to the cent — what their recurring spending really looks like. ADD A SUBSCRIPTION IN SECONDS Pick from the built-in catalog of common services or type your own. Pre-loaded with sensible billing cycles, currencies, and category icons. Auto-categorization recognizes hundreds of services without an internet round-trip. Logos are found and stored automatically. PROFILES FOR EVERY PART OF YOUR LIFE (Pro) Keep Personal, Work, Family and more apart. Switch profiles from the title on Home and Subscriptions, Calendar and Analytics follow. Reminders keep working for every profile. SUBSCRIPTIONS THAT END Cancelled something? Turn off "Renews automatically" and pick the end date. It leaves your monthly total right away and waits in its own Ending list on Home; on the end date it moves to Archive and you get a notification that it has ended. SEE THE WHOLE PICTURE • A monthly cockpit with a spending trend and a 3-month forecast of what will actually renew. • Calendar view with renewal dots so you can spot upcoming charges weeks ahead. • Analytics with AVG / HIGH / LOW per subscription, ranked spending bars, and category breakdown (Pro). • Budget alerts when monthly spend crosses your limit. REMINDERS YOU CAN RELY ON Renewal reminders the day before a charge, or as many days ahead as you like. The next reminders are queued in advance and refreshed in the background, so they arrive even if you don't open the app for weeks. AI THAT ACTUALLY DOES THE WORK (Pro) • Natural-language chat: "Add Netflix at $15.99 monthly", "I cancelled Netflix", "Move Notion to Work". The AI executes — it doesn't just describe. • Bulk edits in one sentence: "Set all my reminders to 1 day before" updates every subscription at once. • Add several services in a single message, with renewal dates and prices understood as you wrote them. • Personalized monthly insights with overlap detection (catches duplicate streaming services automatically). • Auto-categorization fallback for niche services. MULTI-CURRENCY DONE RIGHT 12 currencies including RUB, USD, EUR, GBP, JPY, CNY, TRY, KZT, BYN, UAH, GEL, AMD. Live exchange rates with smart caching. Default currency auto-inferred from your locale. SYNCED EVERYWHERE Your SubsTracker account keeps subscriptions, profiles, trials, price history and chat history in sync on every device. Chat history is encrypted with AES-GCM 256-bit before it is stored in the cloud. You can delete your account and everything synced to it at any time in Settings. THOUGHTFUL DETAILS • Refined dark UI with brass accents — no neon, no nonsense. • Spotlight search and Siri Shortcuts ("Hey Siri, how much am I spending?"). • Widgets for the Home Screen and Lock Screen: monthly total, upcoming renewals and the next one due, active count. • Ten crafted alternate app icons (Aurora, Chrome, Neon, Carbon, Sunset, Emerald, Ocean, Gold, Mono and more) for Pro subscribers. • English and Russian. FREE Track up to 5 subscriptions with renewal reminders, the calendar, multi-currency totals, budget alerts, cloud sync and the monthly-total widget. PRO — TRY IT FREE FOR 7 DAYS Unlimited subscriptions, the AI assistant and AI insights, AI auto-categorize, full analytics, profiles, every widget, CSV export, Face ID lock, and custom logos and app icons. Monthly or yearly; new subscribers start with a 7-day free trial and can cancel any time before it ends. NO ADS. NO TRACKERS. YOUR DATA STAYS YOURS. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/