Coins vs Billwise
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Coins
Effortlessly manage your personal finances by quickly logging expenses and income. Understand your spending habits with insightful reports and stay within budget with smart alerts. Automate tracking and personalize your experience with advanced features.
- Fast expense and income logging
- Home screen widgets for at-a-glance finance overview
- Insightful budget reports and alerts
- Smart transaction suggestions
- iOS Shortcuts integration for automation
- iCloud sync for cross-device access
- Privacy-focused data storage
Read full descriptionHide full description
Free to use forever, with advanced features available through a Pro subscription. Coins is the simple, smart expense tracker that makes personal finance effortless — on iPhone, iPad, and Mac. Quickly log expenses and income, stay on top of your budget, and understand exactly where your money goes. Whether you want to save more, control daily spending, or track income, Coins is the budgeting app that fits into your life in just 30 seconds a day. Key Features • Fast & Easy Expense Tracking Log expenses or income in seconds. Just enter an amount—no complicated setup. Built-in calculator makes it easy to add up receipts on the fly. • Pull-to-Add Gesture Pull down on the home screen of your iPhone to instantly add a transaction — keep holding and move your finger left or right to pick yesterday or tomorrow. • Beautiful Home Screen Widgets Stay on top of your finances at a glance with stunning widgets right on your home screen. See your budget progress and recent spending without opening the app. • Beautiful Budget Reports See your spending at a glance with clear, insightful charts. Set monthly budgets and get alerts before overspending. • Financial Health Score Get a monthly score across savings, essentials, budgeting, and stability, with a clear breakdown and a personalized tip each month to help you improve. • Custom Month Start Day Set which day your budgeting month begins so it matches your pay cycle. • Smart Transaction Suggestions Coins remembers your frequent transactions so you can add new ones with just two taps. • iOS Shortcuts Integration Automate your money tracking! Use the Shortcuts app to add expenses or income hands-free—perfect for quick logging with Siri or custom workflows. • Sync with iCloud Access your data seamlessly across iPhone, iPad, and Mac. Always private, always secure. • Apple Watch App Log expenses and income from your wrist in seconds, with one-tap suggestions and complications for your budget, spending, income and Financial Health. • Native Mac App Enjoy the full Coins experience on macOS with a beautiful three-column layout, keyboard shortcuts, and desktop-optimized interactions. • Made for iPhone Duo Enjoy Coins on both the folded and unfolded displays of iPhone Duo. • Privacy First Your data stays on your device and your iCloud. Add a PIN for extra protection. Go Pro to Unlock More • Financial Forecast – Predict your future spending and income based on your history. • Retire Planner – Map out your retirement on an interactive timeline and instantly see how long your savings will last. • Multi-Currency Support – Ideal for travel and international expenses. • Receipt Scanning – Snap a photo or pick from your library and let AI auto-fill your transactions. • Repeat Transactions – Automate recurring bills and income. • Background Themes – Personalize your home screen with beautiful animated backgrounds. Coins is your simple budgeting companion—helping you save money, track spending, and stay in control of your finances with ease. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Billwise
Effortlessly manage your bills and payments with this intuitive reminder app. It offers smart tracking, customizable notifications, and secure local storage to ensure you never miss a due date. Gain insights into your spending with premium analytics.
- Intuitive bill creation and categorization
- Visual countdown timers for bills
- Customizable payment reminder schedules
- Bill calendar view
- Spending tracker with monthly trends
- Biometric authentication for security
- Data export functionality
Read full descriptionHide full description
Stay ahead of every bill before it becomes overdue. Billwise helps you track upcoming payments, get due date reminders, view monthly bills, and understand where your money is going — all in one clean, private bill reminder app. No more forgotten subscriptions. No more surprise due dates. No more guessing what still needs to be paid. Billwise is designed for people who want a simple, reliable way to manage bills without connecting bank accounts or dealing with complicated budgeting tools. TRACK EVERY UPCOMING BILL Add rent, insurance, subscriptions, utilities, loans, phone plans, internet, credit cards, and any recurring payment you need to remember. SMART DUE DATE REMINDERS Get notified before payments are due so you can plan ahead, avoid late fees, and stay in control of your monthly obligations. BILL CALENDAR VIEW See your month clearly with a visual calendar of paid, upcoming, and overdue bills. HOME SCREEN WIDGETS Check your bills at a glance without opening the app. Stay updated directly from your iPhone Home Screen. MONTHLY BILL OVERVIEW Understand how much is coming up, what has been paid, and what still needs attention. SPENDING INSIGHTS View spending trends, category breakdowns, monthly summaries, and bill patterns so you can make better financial decisions. DUPLICATE SUBSCRIPTION DETECTION Billwise can help you notice repeated subscriptions or similar recurring payments, making it easier to find possible savings. PRIVATE BY DESIGN Your bill tracking stays simple and personal. Billwise is built for private, on-device organization, with Face ID / Touch ID support for extra protection. PERFECT FOR • Managing monthly bills • Tracking subscriptions • Avoiding overdue payments • Remembering rent, insurance, utilities, and loans • Planning recurring expenses • Staying organized without bank syncing • People who want a clean bill calendar and reminder app FREE TO START Use Billwise to start tracking your bills. Upgrade to unlock unlimited bill tracking and advanced analytics. Billwise gives you a clearer way to manage payments, reduce stress, and stay ahead of every due date. Download Billwise today and take control of your bills. Apple Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Billwise at 5.0 against Coins's 4.6. Billwise also leads on iOS requirement (18.0 vs 26.0). Coins's advantage is ratings volume (661 vs 1). On price, update cadence, ads and in-app purchases 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. Coins sells 6 in-app purchases, starting at $0.99 per month and Billwise sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Billwise holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Coins has 661 ratings behind it against 1, so its average is the more settled of the two.
Coins ships an update every 2 weeks, Billwise every 11 days. The most recent releases landed on October 29, 2026 and October 7, 2026 respectively.
| Parameter | Coins | Billwise |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (661 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 81.3% of reviews | — |
| Number of ratings | 661 — better | 1 |
| Update frequency | Every 2 weeks | Every 11 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad, Apple Watch |
| Requires iOS | 26.0 | 18.0 — better |
| Further details — not scored | ||
| Size | 45 MB | 26 MB |
| Age rating | 4+ | 4+ |
| Developer | Yuzhou Zhu | El ghali khalid |
Customer experience
Coins
Billwise
Bugs and requests
Coins
Reported bugs
4 issues- App crashing on launch after updates
- Losing all expense data after updates
- Incorrect date display on expense entries
- Inability to add expenses to future dates
Requested features
7 requests- Add ability to edit and delete entries
- Implement recurring expense tracking
- Allow multiple account support
- Provide budgeting and analytics features
- Add option to change currency
Show 2 moreShow fewer
- Implement iCloud or cloud sync
- Add option to attach receipts to expenses
Billwise
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Coins
- Monthly$0.991 Month
- Yearly$9.991 Year
- Yarn Ball of Gratitude$0.99
- Teaser Wand of Joy$1.99
- Fish Can of Appreciation$4.99
Show 1 moreShow fewer
- Cat Tree of Honor$8.99
Billwise
- Unlimited Bills – Weekly7 Days trial$0.997 Days
- Unlimited Bills – Monthly7 Days trial$2.991 Month
- Lifetime access$29.99









