Comparison

BillNote vs Rilio

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

Head to head
About

BillNote

This finance app offers a unique 3-level categorization system for detailed expense tracking. Manage multiple financial books for personal or business use with customizable icons and insightful charts. It's designed for users needing precise financial organization.

Highlights
  • Unique 3-level categories
  • Multi-books support
  • Customizable icons and backgrounds
  • Insightful charts and trend lines
  • Clean and fast interface
  • Detailed spending organization
Features
Read full description

Why BillNote? Most expense trackers only offer 2 levels of categories (e.g., Food > Lunch). But for you, that's not enough. BillNote introduces a unique "3-Level Category" system (e.g., Food > Lunch > Sandwich), combined with powerful "Multi-Books" support. Whether it's daily expenses, travel budgets, or small business accounts, BillNote keeps everything perfectly organized. Key Features: Unique 3-Level Categories Go deeper than other apps. Organize your spending with sub-sub-categories for precise tracking. Multi-Books Support Separate your "Personal", "Family", or "Business" finances easily. Free users can create up to 2 separate ledgers! Simple & Customizable - Over 100+ built-in icons covering all scenarios. - Customize ledger backgrounds to match your style. - Clean interface, fast entry, no clutter. Insightful Charts Visualize your cash flow with intuitive trend lines and pie charts. See exactly where your money goes. [Perfect For] - Users who need more detailed categorization than standard apps provide. - Anyone managing multiple accounts (Personal/Business). - Minimalists who want a clean, fast expense tracker. Download BillNote today and master your money with precision! Subscription Details 1. Payment will be charged to your Apple ID account at the time of purchase. 2. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. 3. Your account will be charged for renewal within 24 hours prior to the end of the current period. 4. You can manage or cancel your subscription anytime in your App Store account settings. Privacy Policy: https://billnotesite.web.app/privacy.html Terms of Service: https://billnotesite.web.app/terms.html

About

Rilio

Features
Read full description

Stop wondering where your money went. Rilio is the expense tracker that thinks for you. AI automatically categorises every purchase the moment you log it. No bank logins. No spreadsheets. Just clear answers about where your money is going. Full access to Rilio requires an active subscription. All features are available at subscription pricing, shown at app launch. LOG YOUR WAY 5 WAYS TO ADD A TRANSACTION Type it — "Spent 230 at Starbucks" and Rilio fills in the rest Say it — tap the mic, speak naturally, done hands-free in seconds Paste it — copy a bank SMS, and Rilio parses the amount, merchant, and account instantly Share it — forward any transaction SMS from your phone directly into Rilio Bulk import — paste multiple bank messages at once and import them all in one tap Every method auto-fills the merchant, amount, category, and payment method. You review, confirm, and move on. WHAT YOU GET AI auto-categorisation — type a merchant name, Rilio assigns the right category instantly Real-time budgets — set monthly limits per category and track live progress Deep analytics — top merchants, spending trends, weekday patterns, custom date ranges 165+ currencies — switch anytime, from INR to USD to AED to NGN and beyond AI Insights — plain-language summaries that explain your spending patterns every day HOW IT WORKS • Log a transaction in under 5 seconds: merchant, amount, done • AI categorises automatically — Swiggy becomes Food Delivery, Blinkit becomes Grocery Delivery • Set monthly budget limits per category — watch a live progress bar as you spend • Open Analytics for your 15-day or 30-day breakdown: categories, merchants, and trends • Track payment methods — know exactly which card or account each expense came from 59 CATEGORIES. EVERY KIND OF SPENDING. From Groceries to Gaming, Salary to Dividends, Rent to Healthcare, every transaction type is covered. Cash, credit, debit, or digital wallet. YOUR PRIVACY, PROTECTED Rilio never connects to your bank. No screen scraping. No credentials. AI categorisation uses only anonymised merchant names; your amounts and personal details stay private. SUBSCRIPTION REQUIRED All features in Rilio are available with a subscription. Subscription options and pricing are displayed when you first open the app. Payment is charged to your Apple ID account at confirmation. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://getrilio.com/privacy Terms of Use (EULA): https://getrilio.com/terms

Screenshots

BillNote4 screens
Rilio4 screens

Verdict

The call

The clearest difference is ads: Rilio at none against BillNote's shown. BillNote's advantage is update cadence (every 5 days vs every 3 weeks) and iOS requirement (15 vs 17.0). On price, 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. BillNote sells 3 in-app purchases, starting at $0.99 per month and Rilio sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

BillNote ships an update every 5 days, Rilio every 3 weeks. The most recent releases landed on October 7, 2026 and September 29, 2026 respectively.

Scorecard3 real differences · 6 level
BillNote versus Rilio: the parameters behind the verdict, then further details
ParameterBillNoteRilio
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15 — better17.0
Further details — not scored
Size39 MB85 MB
Age rating4+4+
Developer驷旭 姚Raja Niketh Reddy Nallapareddy

In-app purchases

3 purchases

BillNote

Subscriptions2
  • Premium$0.991 Month
  • Premium1 Year trial$5.991 Year
One-time1
  • Pro Forever$11.99
2 purchases

Rilio

Subscriptions2
  • Rilio Pro Monthly7 Days trial$4.991 Month
  • Rilio Pro Yearly7 Days trial$44.991 Year

Questions

Is BillNote free?
BillNote is free to download, with in-app purchases available.
Is Rilio free?
Rilio is free to download, with in-app purchases available.
Do BillNote or Rilio have ads?
BillNote shows ads; Rilio does not.
Which is updated more often, BillNote or Rilio?
BillNote ships an update every 5 days, and Rilio every 3 weeks. Most recently, BillNote was updated on October 7, 2026 and Rilio on September 29, 2026.

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