Prism vs BillVault
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Prism
Read full descriptionHide full description
You are paying for more subscriptions than you remember. Prism puts every recurring charge on one screen — streaming, gym, cloud, apps — and warns you the day before each renewal, while there is still time to cancel. No account. No login. No bank connection. Your subscription data never leaves your iPhone. START IN 30 SECONDS • Tick the services you already pay for and Prism builds your dashboard instantly • Add any charge that repeats: streaming, gym, insurance, cloud storage, work tools • Pick a color and an icon to recognize each one at a glance • Group by category and see where the money goes SEE THE NUMBER THAT MATTERS • Your real monthly total, combining monthly, yearly and weekly plans • A category chart that surfaces the spending you never noticed • Track how your recurring costs change over time • Multi-currency: USD, EUR and BRL with automatic conversion NEVER GET CAUGHT BY A RENEWAL • A notification one day before every renewal — free trials included • Home Screen widget showing the next charge and how many days are left • Cancel while you still can REAL PRIVACY Your subscriptions are stored on your own iPhone. No email, no sign-up, no bank access. PRISM PRO Prism is free for your first subscriptions. Prism Pro removes the ads and unlocks unlimited subscriptions and detailed statistics, with a 7-day free trial. The Prism Pro subscription renews automatically at the end of each period unless cancelled at least 24 hours before renewal. Payment is charged to your Apple account at purchase confirmation. Manage or cancel in Settings > Apple ID > Subscriptions. Download Prism and find out what your subscriptions really cost. Terms of Use (EULA): https://prism-website-three.vercel.app/termos.html Privacy Policy: https://prism-website-three.vercel.app/privacidade.html
BillVault
Manage all your bills and subscriptions in one place with timely reminders and spending insights. Easily add bills by scanning or importing, and get personalized advice on safe spending until your next payday. Features include cancellation assistance and duplicate service detection.
- Bill and subscription tracking
- Automated bill reminders
- Spending analysis by category
- Bill scanning and import
- Subscription cancellation assistance
- Free trial and price rise alerts
- Privacy-focused design
Read full descriptionHide full description
Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html
Screenshots
Verdict
The clearest difference is in-app purchases: Prism at none against BillVault's 3. Prism also leads on iOS requirement (17.0 vs 26.0). BillVault's advantage is ads (none vs shown) and update cadence (every 5 days vs monthly). On price 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
Both are free to download. BillVault sells 3 in-app purchases, starting at $3.99 per month. Prism asks for nothing beyond the download.
Prism ships an update monthly, BillVault every 5 days. The most recent releases landed on October 28, 2026 and October 26, 2026 respectively.
| Parameter | Prism | BillVault |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (4 ratings) — better |
| Number of ratings | — | 4 — better |
| Update frequency | Monthly | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | No — better | Yes |
| Monetization | — | Freemium |
| Devices | iPhone, iPad | iPhone, iPad, Apple Watch — better |
| Requires iOS | 17.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 29 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Matheus Alvares | David Long |
In-app purchases
Prism
No in-app purchases
BillVault
- BillVault Pro Monthly$3.991 Month
- BillVault Pro Yearly7 Days trial$29.991 Year
- BillVault Pro Lifetime$79.99









