# Billy vs Cashlo

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.

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.

## The numbers

| Metric | Billy | Cashlo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357/reviews)** | [3.3 (72 ratings)](https://appshunter.io/ios/app/cashlo/id6762303079/reviews) |
| Number of ratings | 2 | **72** |
| Positive reviews | **100.0% of reviews** | 64.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Every 5 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 39 MB | 29 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sungtae Kim](https://appshunter.io/developer/1773812036) | [Royal Boudoir inc](https://appshunter.io/developer/1893716483) |

## What reviewers say

### Billy

[App page](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 5 Credits | $1.99 | one-time |
| 10 Credits | $2.99 | one-time |
| 20 Credits | $3.99 | one-time |


### Cashlo

[App page](https://appshunter.io/ios/app/cashlo/id6762303079)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cashlo membership | $4.99 | per month |


## Frequently asked 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.

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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.*