Comparison

Billy vs Cashlo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Billy

Effortlessly divide expenses from receipts by snapping a photo. The app automatically scans items, allows easy assignment to friends, and calculates exact amounts owed, including tip and tax. Share clear summaries instantly without needing to log in.

Highlights
  • Scan receipts with a photo
  • Automatic line item extraction
  • Assign items to individuals
  • Calculate tip and tax
  • Instant total calculation
  • Shareable expense summaries
Read full description

Split bills from a receipt in seconds. Snap a photo and Billy scans your receipt, pulls out each line item, and lets you quickly assign items to friends. Add tip and tax, and Billy instantly calculates who owes what. Then share a clean summary in one tap. No logins. No spreadsheets. Just fast, fair bill splitting. Perfect for dinners, takeout, coffee runs, roommates, and group trips. How it works: - Snap a photo of your receipt - Review scanned items - Assign items to each person - Add tip/tax if needed - See totals instantly - Share a ready-to-send summary

About

Cashlo

Access a portion of your earned wages before your next payday. Securely connect your bank account to see your available advance amount and choose your preferred delivery speed. All repayment terms are clearly displayed upfront with no interest or credit checks.

Highlights
  • Access up to $750 before payday
  • No interest or credit check
  • Clear, upfront repayment terms
  • Instant or standard delivery options
  • Track advances and repayment history
  • Secure bank account connection
Features
Read full description

Cashlo helps business owners prepare and manage business-funding requests. Cashlo is not a lender and does not make credit decisions. We help businesses prepare funding requests and connect with third-party funding providers. Approval, available amounts and financing terms are determined by the provider. Funding is not guaranteed. Royal Boudoir Inc. operates Cashlo. Our team reviews application information for completeness and helps arrange referrals to third-party funding providers. Request amounts may be up to $10 million; this is a request limit, not an offer or an available credit limit. YOUR BUSINESS WORKSPACE • Save your application and return to it later • Add business and ownership information • Scan and upload business bank statements • Preview and replace documents • Message the Cashlo team about your request • View team updates and outstanding document requests • Choose optional app lock and update notifications Saving an application does not automatically send it to a funding provider, authorize a credit inquiry or commit you to financing. Any referral, credit authorization, fees and financing terms are disclosed and agreed separately before proceeding. Cashlo team review is not a credit decision. This business workspace does not provide personal loans or paycheck advances and does not require a paid membership. The previous Cashlo monthly membership has been removed from sale. Previous accounts are separate; contact support for help with the earlier service. Support: https://cashlo.net/support.html Privacy Policy: https://cashlo.net/legal/privacy.html Terms of Use: https://cashlo.net/legal/terms.html Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Billy4 screens
Cashlo3 screens

Verdict

The call

The clearest difference is rating: Billy at 5.0 against Cashlo's 3.3. Billy also leads on review sentiment (100% vs 65%) and monetization model (free vs free with in-app purchases). Cashlo's advantage is ratings volume (72 vs 2) and update cadence (every 5 days vs every 11 days). On price, ads, in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Billy sells 3 one-off in-app purchases and Cashlo sells 1 in-app purchase, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Billy holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: Cashlo has 72 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 100% of Billy's written reviews are positive against 65% of Cashlo's.

UpkeepUpdate frequency

Billy ships an update every 11 days, Cashlo every 5 days. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
Billy versus Cashlo: the parameters behind the verdict, then further details
ParameterBillyCashlo
PriceFreeFree
Rating5.0 (2 ratings) — better3.3 (72 ratings)
Positive reviews100.0% of reviews — better64.9% of reviews
Number of ratings272 — better
Update frequencyEvery 11 daysEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size39 MB29 MB
Age rating4+4+
DeveloperSungtae KimRoyal Boudoir inc

Customer experience

Billy

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Cashlo

All ratings66 ratings
Positive50.0%
Neutral3.0%
Negative47.0%
Written reviews57 reviews
Positive64.9%
Neutral1.8%
Negative33.3%

In-app purchases

3 purchases

Billy

One-time3
  • 5 Credits$1.99
  • 10 Credits$2.99
  • 20 Credits$3.99
1 purchases

Cashlo

Subscriptions1
  • Cashlo membership$4.991 Month

Questions

Is Billy free?
Billy is free to download, with in-app purchases available.
Is Cashlo free?
Cashlo is free to download, with in-app purchases available.
Which has better reviews, Billy or Cashlo?
Billy is rated higher. Billy averages 5.0 out of 5 from 2 ratings, while Cashlo averages 3.3 from 72 ratings.
Do Billy or Cashlo have ads?
Neither Billy nor Cashlo shows ads.
Which is updated more often, Billy or Cashlo?
Billy ships an update every 11 days, and Cashlo every 5 days. Most recently, Billy was updated on November 4, 2026 and Cashlo on October 31, 2026.

Other comparisons