Comparison

PaidUp vs Billiary

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

Head to head
About

PaidUp

Read full description

PaidUp keeps track of who paid, who owes and how much, so nobody has to remember. Add an expense, pick who was there, and PaidUp works out everyone's share. WHO IT IS FOR - Roommates sharing rent, bills, groceries and the internet - Trips with friends, in any currency - Couples who split some things and not others - Friends who take turns paying for dinner, tickets and nights out SEE WHERE YOU STAND Home shows what you are owed and what you owe at a glance, with every person and group in one place. Green is money coming to you, orange is money you owe. SETTLE UP IN A TAP When you owe a friend, tap Pay with Venmo, Cash App or PayPal to go straight to their account with the amount filled in. Zelle is there too. Venmo, Cash App and Zelle are for US dollar balances, and PayPal works in other currencies. Then record the payment and the balance clears for both of you. You can also record cash or any other payment. EVERY CURRENCY, KEPT APART Choose from 20 currencies for each expense. Euros stay euros and dollars stay dollars, so a trip balance never gets muddled by a guessed exchange rate. SPLIT IT YOUR WAY - Split equally, by shares, by percent or by exact amounts - Scan a receipt and assign items to people - Recurring expenses for rent and bills that come back every month - Groups for the flat, the trip or the two of you - Reminders, comments on expenses and a full activity history - Keeps working when you are offline and syncs when you are back - Dark mode, following your phone's setting FREE - Unlimited expenses you add yourself - Unlimited friends and groups - Your full history, with no time limit - Recurring expenses - 5 receipt scans a month - Export to CSV and PDF - No ads PAIDUP PRO, A YEARLY SUBSCRIPTION - Everything in Free - Unlimited receipt scans - Currency conversion, to see any expense in another currency at the daily rate - Expensify export Pro is a yearly subscription. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless you turn off auto-renew at least 24 hours before the end of the current year. You can manage or cancel it in your Apple Account settings. You can delete your account and your data at any time from inside the app. Terms of Service: https://www.paidup.app/terms Privacy Policy: https://www.paidup.app/privacy Support: https://www.paidup.app/support

About

Billiary

This offline-first bill tracker helps you manage due dates, payments, and expenses with local storage and no account requirement. Organize bills by category and tags, set reminders, and view financial statistics. Premium features offer multi-currency support, advanced budgeting, and PDF exports.

Highlights
  • Offline-first bill tracking
  • One-time and recurring bills
  • Mark bills as paid/unpaid
  • Custom categories and tags
  • Local notifications for reminders
  • Financial statistics and breakdowns
  • Optional income tracking
Features
Read full description

Billiary is a private, offline-first bill tracker that helps you see what is due, what is paid, and what needs attention - all in one clean app. Track bills, income, subscriptions, accounts, documents, warranties, QR codes, and loyalty cards without creating an account. Billiary works fully offline, with your data stored on your device. Want Billiary on more than one device? Personal Sync is optional - enable it when you want secure multi-device sync and cloud backup. BASIC · FREE FOREVER Privacy and offline use • No account required • Works fully offline • Your data stays on your device unless you enable Sync • Sign in only when you choose to use Sync Bills and payments • Add one-time and recurring bills • Mark bills as paid or unpaid • Track due dates, payments, and overdue bills • Organize by category, tag, and month • Pin important bills • Search by name, notes, or amount • View bills in a list or calendar • Scan supported bill QR codes Income and accounts • Track income and available balance • Manage Cash, Card, and Savings accounts • Assign payment sources to bills • Record optional payment fees Subscriptions • Track recurring services and renewal dates • Choose from popular services or add your own • Mark subscriptions as active, paused, or cancelled Insights • Review spending across flexible time periods • See spending by category and payment source • Browse paid-bill history • Review 12 months of bills and income Loyalty cards • Store loyalty and membership cards offline • Scan supported barcodes and QR codes • Add cards from the camera, photos, or manually • Search cards and mark favorites PERSONAL SYNC · OPTIONAL SUBSCRIPTION Private by default. Connected when you want. • Keep Billiary up to date across your devices • Cloud backup for additional protection • See sync status and last sync • Sync includes Premium features while active • Billiary remains fully usable without Sync or an account PREMIUM · ONE-TIME UPGRADE Unlock advanced tools with a single purchase. Smart Attachments and warranties • Attach receipts, invoices, warranties, photos, and PDFs • Browse, search, preview, and manage attachments • Link documents to bills • Track warranties with separate reminders Budget and accounts • Track account balances • Deduct paid bills and fees automatically • Transfer money between accounts and currencies • Set optional card spending limits • Manage currencies and manual exchange rates • Review activity and forecast upcoming balances Advanced insights and reports • Track your Bills-to-Income ratio • Compare monthly spending • Explore category, trend, and tag analytics • Review subscription spending and projections • Export detailed PDF and CSV reports More Premium tools • Set multiple reminders per bill • Use flexible and custom recurrence • Use Home Screen widgets • Create complete ZIP backups • Import and export CSV data • Organize loyalty cards into collections PERSONALIZE BILLIARY • Light, dark, and system themes • English, Italian, Spanish, German, French, Serbian, and Simplified Chinese Stay ahead of your bills, on your terms. Use Billiary privately and offline with no account required—or enable Sync when you want your data available across your devices. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PaidUp4 screens
Billiary4 screens

Verdict

The call

PaidUp and Billiary are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. PaidUp sells 4 in-app purchases, starting at $2.99 per month and Billiary sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PaidUp ships an update fortnightly, Billiary every 9 days. The most recent releases landed on October 28, 2026 and October 26, 2026 respectively.

ScorecardNo meaningful differences
PaidUp versus Billiary: the parameters behind the verdict, then further details
ParameterPaidUpBilliary
PriceFreeFree
Rating—4.7 (3 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—3 — better
Update frequencyFortnightlyEvery 9 days — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.6
Further details — not scored
Size26 MB41 MB
Age rating4+4+
DeveloperImpact Consulting AI LLCNikola Banovic

In-app purchases

4 purchases

PaidUp

Subscriptions4
  • PaidUp Basic (Monthly)$2.991 Month
  • PaidUp Premium (Monthly)$6.991 Month
  • PaidUp Basic (Annual)$29.991 Year
Show 1 more
  • PaidUp Premium (Annual)$69.991 Year
3 purchases

Billiary

Subscriptions2
  • Billiary Sync Monthly$1.991 Month
  • Billiary Sync Yearly$12.991 Year
One-time1
  • Billiary Premium$14.99

Questions

Is PaidUp free?
PaidUp is free to download, with in-app purchases available.
Is Billiary free?
Billiary is free to download, with in-app purchases available.
Do PaidUp or Billiary have ads?
Neither PaidUp nor Billiary shows ads.
Which is updated more often, PaidUp or Billiary?
PaidUp ships an update fortnightly, and Billiary every 9 days. Most recently, PaidUp was updated on October 28, 2026 and Billiary on October 26, 2026.

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