ToSpend vs BillKeep
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
ToSpend
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ToSpend gives you a clear overview of the expenses that actually matter, so you always know what is coming up and what you have already paid. FEATURES: โข Recurring expenses โ Track all your monthly and yearly costs in one place. โข One-time expenses โ Plan ahead for larger purchases. โข Countdown to due date โ See how many days are left until the next expense is due. โข Paid archive โ Browse a full history of past expenses, grouped by month and year. โข Someday list โ Save potential purchases without setting a date. โข Categories โ Organize expenses by category to keep things structured. โข Reminders โ Get notified before expenses are due. โข No login โ Download ToSpend and just get started. It can be this simple. โข iCloud โ All your data stays on your device and is backed up in your iCloud. - - - - Privacy Policy (https://www.tospend-app.com/app/data-privacy)ย Terms Of Use (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)
BillKeep
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Take control of your bills and budget with BillKeep, the smart bill tracker that makes managing your finances effortless. SNAP & TRACK WITH AI Point your camera at any bill or receipt and let AI do the work. BillKeep instantly extracts the merchant, amount, due date, and category. No manual typing needed. BUDGET YOUR WAY Set weekly or monthly budgets and watch your spending in real time. Color-coded progress bars show you exactly where you stand โ green means on track, red means time to slow down. NEVER PAY LATE Smart reminders notify you before bills are due. View upcoming, paid, and overdue bills at a glance. Calendar view shows your entire month of payments. KNOW YOUR MONEY Beautiful analytics show where your money goes. Pie charts, trend lines, category breakdowns, and spending patterns help you understand your financial habits. PROFESSIONAL REPORTS Generate detailed PDF spending reports with AI-powered insights and recommendations. Includes cash flow forecasts, a bill health score, and spending comparisons against the 50/30/20 rule. TRACK YOUR INCOME Log income from salary, freelance, or side gigs. See your cash flow at a glance โ are you in surplus or shortfall this month? WORKS GLOBALLY Support for 65+ currencies with AED, USD, EUR, GBP, INR, and more. Available in English and Arabic with full right-to-left support. PRIVACY FIRST No bank account linking required. No account creation needed. Your data stays on your device. We never see your financial information. FREE FEATURES - Unlimited bill tracking - Weekly and monthly budgets - Bill reminders and notifications - Calendar view - Income tracking - Basic analytics - 65+ currencies - Dark and light mode - Home screen widgets PREMIUM FEATURES - AI bill and receipt scanning - Smart spending insights - Unlimited bill history - Category-level budgets with alerts - PDF spending reports with AI recommendations - Multi-currency bill tracking - Bill photo storage - iCloud sync for your bills and budget data Try Premium free for 7 days. Plans start at $4.99/month or $39.99/year. Built by Eezo Labs, an independent iOS studio in Abu Dhabi. Questions or feedback: support@eezolabs.com Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: BillKeep at every 3 days against ToSpend's fortnightly. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. ToSpend sells 3 in-app purchases, starting at $1.99 per month and BillKeep sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
ToSpend ships an update fortnightly, BillKeep every 3 days. The most recent releases landed on September 22, 2026 and September 9, 2026 respectively.
| Parameter | ToSpend | BillKeep |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly | Every 3 days โ better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone, iPad โ better |
| Requires iOS | 18.0 | 18.0 |
| Further details โ not scored | ||
| Size | 28 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | Fabian Radecke | Ahmed Alaydaroos |
In-app purchases
ToSpend
- Monthly$1.991 Month
- Yearly$17.991 Year
- Lifetime$34.99
BillKeep
- BillKeep Premium7 Days trial$4.991 Month
- Billkeep Premium7 Days trial$39.991 Year








