Billy Finance vs Expenses & Subscriptions

Take control of your finances with Billy, the simple and intuitive expense tracker designed to make managing your expenses effortless and efficient. Whether you want to get a clear breakdown of your spendings and savings or just keep an eye on where your money goes, the app helps you to make smarter decisions with in-depth insights tailored just for you.

Expenses & Subscriptions is the iOS app to control your expenses, subscriptions and shared accounts without relying on any server. Your data lives on your iPhone and is synced only with the people you pick via iCloud Drive. FEATURES • Subscription hub with automatic logos, monthly total and upcoming renewals. • Personal and shared expenses, with your real share calculated automatically. • Financings with installments, remaining debt and next charges. • Full salaries with breakdown, plus other income in the same month: extra payments, rent, one-off jobs. • Hypothetical scenarios to simulate raises, moving houses or new expenses. • Dashboard with alerts, category radar and monthly/yearly breakdown. • Calendar with upcoming charges and filters. • Import and export your full data as CSV (no lock-in). • Multi-select with bulk archive/delete and Undo. • Accounts with their cards, colors and full personalization. PRIVACY • No account, no sign-up, no external servers. • Data never leaves your iPhone except to the iCloud Drive folder you choose. • No ads, no trackers, no in-app purchases. Perfect for couples, flatmates or anyone who wants detailed control of their finances without depending on someone else's cloud.