Billy vs Cashlo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Scan receipts with a photo
- Automatic line item extraction
- Assign items to individuals
- Calculate tip and tax
- Instant total calculation
- Shareable expense summaries
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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
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Billy | Cashlo |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.3 (72 ratings) |
| Positive reviews | 100.0% of reviews — better | 64.9% of reviews |
| Number of ratings | 2 | 72 — better |
| Update frequency | Every 11 days | Every 5 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 39 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Sungtae Kim | Royal Boudoir inc |
Customer experience
Billy
Cashlo
In-app purchases
Billy
- 5 Credits$1.99
- 10 Credits$2.99
- 20 Credits$3.99
Cashlo
- Cashlo membership$4.991 Month









