# Bills io vs SubsTracker AI

The clearest difference is update cadence: SubsTracker AI at every 6 days against Bills io's every 6 weeks. SubsTracker AI also leads on iOS requirement (17.0 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Bills io sells 3 in-app purchases, starting at $0.99 per month and SubsTracker AI sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Bills io ships an update every 6 weeks, SubsTracker AI every 6 days. The most recent releases landed on October 7, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Bills io | SubsTracker AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (34 ratings)](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119/reviews)** | — |
| Number of ratings | **34** | — |
| Positive reviews | 73.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 6 days** |
| Monetization | Freemium | — |
| Size | 45 MB | 28 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | **iPhone, iPad, Mac** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Studio Ember LLC](https://appshunter.io/developer/1499730118) | [Pavel Plotnikov](https://appshunter.io/developer/1879777091) |

## What reviewers say

### Bills io

[App page](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119)

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:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium (1 Month) | $0.99 | per month |
| Premium (1 Year) | $9.99 | per year |
| Premium (Lifetime) | $39.99 | one-time |


### SubsTracker AI

[App page](https://appshunter.io/ios/app/substracker-ai/id6759829211)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $2.99 | per month |
| Pro Yearly | $19.99 | per year |


## Frequently asked questions

### Is Bills io free?

Bills io is free to download, with in-app purchases available.

### Is SubsTracker AI free?

SubsTracker AI is free to download, with in-app purchases available.

### Do Bills io or SubsTracker AI have ads?

Neither Bills io nor SubsTracker AI shows ads.

### Which is updated more often, Bills io or SubsTracker AI?

Bills io ships an update every 6 weeks, and SubsTracker AI every 6 days. Most recently, Bills io was updated on October 7, 2026 and SubsTracker AI on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*