Smart Billing vs Willow Access
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Smart Billing
This app helps freelancers and small businesses manage their finances by creating invoices, tracking expenses, and generating detailed reports. It offers multi-account support and secure, private data storage on your device. View key financial summaries directly from your home screen with customizable widgets.
- Create and send professional invoices
- Track paid, partial, and overdue bills
- Log and categorize expenses
- Detailed financial reports
- Manage multiple client profiles
- Multi-account support
- Home screen widgets
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Send an invoice from your phone, and always know who still owes you. Build a professional invoice in a minute and send the PDF on WhatsApp or email. The dashboard ranks every unpaid bill by amount and shows how many days late it is, and each client is one tap away on WhatsApp, phone or email. Record full or partial payments and see what's left until the bill is paid. Add a tax rate and the invoice is titled Tax Invoice, with the VAT shown on every line. The Smart Billing is the all-in-one invoicing, billing, and expense tracking app designed for freelancers, small businesses, and entrepreneurs. Whether you're sending invoices to clients, tracking your monthly expenses, or reviewing your revenue at a glance — The Smart Billing puts everything you need in one beautifully designed app. KEY FEATURES • Create and send professional invoices in seconds • Track paid, partial, and overdue bills at a glance • Log and categorise expenses by type • Detailed reports: revenue, profit, cash flow, tax export, and more • Manage multiple client profiles with full payment history • Multi-account support — perfect for businesses with multiple entities • Share invoices via WhatsApp, email, or PDF • Inventory: stock levels, low-stock alerts and what's selling • Quotations and advance payments, linked to each client • The whole app in English, Arabic (right to left), French, Spanish or Italian NEW FOR iOS 26 & 27 • Ask Siri about your business and get instant answers. • An AI Business Assistant powered by Apple Intelligence — ask about revenue, expenses, stock or who owes you, and get a brief on any client. It runs on your device or on Apple's Private Cloud Compute, never on anyone else's servers. • Scan receipts straight into expenses. • A redesigned Liquid Glass interface and a new extra-large iPad widget. YOUR DATA STAYS YOURS The Smart Billing is built with your privacy in mind. No account. Works offline. Your data stays on your device and in your own iCloud. The app shares limited usage information in fixed categories, such as which features you use — never client names, invoices, amounts or anything you type — and you can switch it off in Settings → Privacy. AI features use Apple Intelligence only — on your device or on Apple's Private Cloud Compute, where nothing is stored. No third-party AI is ever involved. WIDGETS See your monthly revenue, unpaid invoices, and overdue bills right from your home screen — without opening the app. Available in small, medium, large, and a new extra-large iPad board. PLANS • Free — up to 2 clients and 1 account. • Basic — 1 account, unlimited clients, no invoice cap, all your devices: $3.99/month or $39.99/year. • Pro — unlimited accounts: $6.99/month or $69.99/year. Upgrade from Basic any time; you pay only the difference. • Lifetime — everything in Pro, forever, for a single payment of $149.99. A one-time purchase; it does not renew. Prices in USD; your App Store may show different amounts. --- Price may vary per location. Subscriptions will be charged to your iTunes account using your preferred payment method. Your Subscription will automatically renew unless cancelled at least 24 hours before the end of the current period. Manage your subscription in the AppStore under subscriptions. --- Privacy policy: https://zaatarlabs.com/privacy-policy Terms of use: https://zaatarlabs.com/terms
Willow Access
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The Willow Properties Homeowner and Board App is a mobile-friendly way to interface with your community association. You will be able to make payments, view your account, and access community information all in one place. If you already have a login to your association website, you can log in to the App using the same email address and password you use for your association website. If you do not have a current login to your association site, simply click the register button and submit your information. Once your registration is approved, you will receive an email with a link to set your password and then you will be able to log into your account directly from this app. If you already have a login and do not remember your password, click the Forgot Password link, enter your email address to request a password reset and you will receive an email with a link to set your password. Once set, you can log in with your email address and new password. Once logged in, Homeowners will have direct access to the following features: a. Easily switch between accounts if multiple properties are owned b. Homeowner Dashboard c. Access association documents d. Access association directories e. Access association photos f. Access Contact Us Page g. Pay Assessments h. Access violations – add comments and take pictures from mobile device to add to violation i. Submit ACC Requests and include pictures and attachments (pictures can be taken from mobile device) j. Access homeowner ledger k. Submit work orders and check on status of their work orders (add comments and take pictures from mobile device) In addition, Board Members will be able to take advantage of the following features: a. Board Tasks b. ACC Review c. Board documents d. Violations Review e. Invoice Approval f. Work Order Review
Screenshots
Verdict
The clearest difference is in-app purchases: Willow Access at none against Smart Billing's 5. Willow Access also leads on iOS requirement (12.2 vs 18.0). Smart Billing's advantage is update cadence (fortnightly vs every 3 months). 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
Both are free to download. Smart Billing sells 5 in-app purchases, starting at $3.99 per month. Willow Access asks for nothing beyond the download.
Smart Billing ships an update fortnightly, Willow Access every 3 months. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.
| Parameter | Smart Billing | Willow Access |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (8 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 8 — better | — |
| Update frequency | Fortnightly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, Mac | iPhone, iPad, iPod |
| Requires iOS | 18.0 | 12.2 — better |
| Further details — not scored | ||
| Size | 134 MB | 146 MB |
| Age rating | 4+ | 4+ |
| Developer | Omar Al Homaidi | CINC Systems |
In-app purchases
Smart Billing
- 1 Account (1 month)$3.991 Month
- Unlimited Accounts (1 Month)$6.991 Month
- 1 Account (1 Year)$39.991 Year
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- Unlimited Accounts (1 Year)$69.991 Year
- Lifetime Unlimited Accounts$149.99
Willow Access
No in-app purchases
Questions
Is Smart Billing free?
Is Willow Access free?
Do Smart Billing or Willow Access have ads?
Which is updated more often, Smart Billing or Willow Access?
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