# iSpending vs Billmate

The clearest difference is ads: Billmate at none against iSpending's shown. Billmate also leads on review sentiment (100% vs 69%) and update cadence (every 5 days vs every 6 months). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. iSpending sells 2 in-app purchases, starting at $2.99 per month and Billmate sells 15 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

iSpending ships an update every 6 months, Billmate every 5 days. The most recent releases landed on September 29, 2026 and September 16, 2026 respectively.

## The numbers

| Metric | iSpending | Billmate |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews)** | — |
| Number of ratings | **634** | — |
| Positive reviews | 68.9% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Every 5 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 19 MB | 68 MB |
| Requires iOS | 12.0 | 12.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Duc Hoan Nguyen](https://appshunter.io/developer/1688921271) |

## What reviewers say

### iSpending

[App page](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875)

Track your income and expenses with this free personal finance app. Organize transactions by category, view instant summaries, and analyze spending patterns with detailed graphs. Secure your data with passcode and Face ID.

**Highlights:** Categorize income and expenses, Customizable spending categories, Instant daily, weekly, monthly, yearly summaries, Detailed graph reports, Transaction search, Passcode and Face ID lock, iCloud sync

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpending Premium | $2.99 | per month |
| iSpending Premium | $29.99 | per year |

**What reviewers like**

- 👍 Easy to use
- 💰 Helps organize finances
- 📊 Provides good visibility into spending
- 🚀 Simple and straightforward

**What reviewers complain about**

- 🔒 Limited functionality without paid upgrade
- 🐛 Crashes and bugs reported
- 🗓️ Lack of customization options (categories, date range)
- 💻 No cross-device sync or backup

**Reported bugs**

- Transactions not displaying properly
- Data loss after app updates
- Inability to access past year's data

**Requested features**

- Recurring transaction options
- Ability to edit/delete past entries
- More detailed reporting and analytics
- Multi-currency support
- Sync across devices


### Billmate

[App page](https://appshunter.io/ios/app/billmate-income-expense-note/id6469167381)

Effortlessly share expenses with friends and family, eliminating money disputes. Manage group bills for rent, vacations, and social events with features like currency conversion, receipt scanning, and detailed expense categorization. Track loans and IOUs with precision for stress-free financial sharing.

**Highlights:** Group and private expense sharing, Offline expense entry, Multi-currency support, Receipt scanning with OCR, Expense categorization and budgeting, Recurring bill creation, Data export to CSV

**Features:** macOS Compatibility

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Billmate | $2.99 | per month |
| Billmate Premium | $2.99 | per month |
| Billmate Premium | $4.99 | per month |
| Billmate | $5.99 | per 3 months |
| Billmate Premium | $5.99 | per 3 months |
| Billmate | $8.99 | per year |
| Billmate Premium | $8.99 | per year |
| Billmate Premium | $10.95 | per year |
| Billmate Premium | $11.95 | per 3 months |
| Billmate Premium | $12.99 | per year |
| Billmate Premium | $17.95 | per year |
| Billmate Premium | $21.90 | per year |
| Billmate Premium | $25.95 | per year |
| Billmate Premium | $29.49 | per year |
| Billmate Premium | $41.95 | per year |


## Frequently asked questions

### Is iSpending free?

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

### Is Billmate free?

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

### Do iSpending or Billmate have ads?

iSpending shows ads; Billmate does not.

### Which is updated more often, iSpending or Billmate?

iSpending ships an update every 6 months, and Billmate every 5 days. Most recently, iSpending was updated on September 29, 2026 and Billmate on September 16, 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.*