Bills io vs CostCurve

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/

Know what ownership really cost. CostCurve turns purchases into an honest record of price, use, time, and what happened next - without mixing unlike currencies or flattening everything into one score. BUILD YOUR COLLECTION - Record price, purchase date, category, notes, and an optional target cost per use. - Log every use and watch cost per use change over time. - Keep currencies separate so the numbers stay meaningful. - See best value, neglected items, and collection-level trends. MAKE BETTER OWNERSHIP DECISIONS - Pause before a new purchase and write down the real need. - Mark an item kept, sold, retired, or replaced. - Add resale value and see net ownership cost. - Keep a decision note so the context is not lost. FREE - Track up to five active items. - Log unlimited uses. - Try one Purchase Pause decision. COSTCURVE PRO - Unlimited items and Purchase Pause decisions. - Read item names and prices from receipts on device. - Full sold, retired, replacement, and resale lifecycle tools. - Deeper insights, goals, sharing, and CSV export. Receipt reading uses Apple's on-device Vision framework. CostCurve does not send receipts or item details to an AI service. Your collection is stored locally and can sync through your private iCloud account when available. Subscriptions renew automatically unless canceled in your Apple ID settings. Restore an existing purchase from Settings > Restore Purchases. TERMS OF USE Product Terms of Use: https://www.uncommonweather.com/legal/apps/costcurve-terms.html Apple Standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/