Comparison

Cheque vs Bill Spark Manager

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

Head to head
About

Cheque

Features
Read full description

Your mates don't need the app. Scan the bill, share one link, and everyone claims what they had from their own phone — any phone. Cheque-Mate does the maths and shows who owes who, down to the penny, service charge included. SNAP. SPLIT. SORTED. • Point your camera at any receipt — every item lands in the split, priced and ready • Everyone claims their own items, so nobody plays banker • Drag your share — whole items, halves, thirds, a splash of the wine • Fair-share maths keeps totals honest to the exact penny TRIPS & GROUPS One folder for the whole trip — the weekend away, the flat share, the padel crew. Drop in receipts as you go, mates claim whenever suits them, and running balances keep score bill by bill. • See what's still unclaimed at a glance • Push notifications when someone joins, adds a bill, or claims the last item • Home Screen widgets: your share, who's racked up what, and the full who-owes-who matrix • End-of-trip insights: Big Spender, the damage curve, spend by venue • Shareable summary cards in ten styles — from clean glass to a thermal receipt NO APP NEEDED FOR YOUR MATES Send an invite link and anyone joins from their browser — any phone, any laptop, anything with a screen. They claim their items and see exactly what they owe, penny-identical to the app. Only you need the app. QUICK SPLIT One-off dinner? No folder needed. Scan, everyone claims, sorted before the coats are on. Save your favourite splits for the regulars. SETTLE UP IN ONE TAP Who-Owes-Who collapses the whole trip into the fewest possible payments. Tap Pay and it deep-links straight into PayPal, Monzo, Revolut, Venmo or Cash App with the amount pre-filled — whichever your mate actually uses. Card details never touch Cheque-Mate. PRIVATE BY DESIGN No bank logins, no card numbers, no ads. Payments happen in the apps you already trust — Cheque-Mate just does the maths. FREE TO USE Scan and split free every month. Cheque-Mate Pro adds unlimited scans, collaborative splits, premium share styles and more — with a one-off Lifetime option if subscriptions aren't your thing. Next round's on you. The maths is on us.

About

Bill Spark Manager

Organize your finances with a clear calendar view for bills and subscriptions. Monitor income and expenses, set savings goals, and track financial progress with an intuitive dashboard. Tools for debt management and financial planning are included.

Highlights
  • Bill and subscription tracking
  • Calendar-based bill management
  • Savings goal tracking
  • Debt and payoff monitoring
  • Money in and out overview
  • Financial planning tools
Features
Read full description

Bill Spark helps you organize your finances in one simple place. Track bills and subscriptions with a clear calendar layout, monitor money coming in and out, create savings goals, and stay on top of your financial progress with an easy-to-use dashboard. Features include: -Bill and subscription tracking -Calendar-based bill management -Savings goal tracking -Debt and payoff monitoring -Money in and out overview -Financial planning tools -Write-off keeper -Apple-managed subscription access for premium features Bill Spark is designed to make managing your money feel simple, clear, and motivating. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://bill-spark.web.app/privacy.html

Screenshots

Cheque4 screens
Bill Spark Manager4 screens

Verdict

The call

The clearest difference is update cadence: Bill Spark Manager at every 2 days against Cheque's every 6 days. Bill Spark Manager also leads on device support (3 vs 1) and iOS requirement (15.0 vs 26.0). On price, ads and in-app purchases 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. Cheque sells 5 in-app purchases, starting at $3.99 per month and Bill Spark Manager 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

Cheque ships an update every 6 days, Bill Spark Manager every 2 days. The most recent releases landed on October 5, 2026 and October 7, 2026 respectively.

Scorecard3 real differences · 6 level
Cheque versus Bill Spark Manager: the parameters behind the verdict, then further details
ParameterChequeBill Spark Manager
PriceFreeFree
Rating—5.0 (7 ratings) — better
Number of ratings—7 — better
Update frequencyEvery 6 daysEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS26.015.0 — better
Further details — not scored
Size57 MB15 MB
Age rating4+4+
DeveloperKyle HarrisMarco Washington

In-app purchases

5 purchases

Cheque

Subscriptions2
  • Cheque-Mate Pro$3.991 Month
  • Cheque-Mate Pro7 Days trial$29.991 Year
One-time3
  • 10 Receipt Scans$1.99
  • 30 Receipt Scans$3.99
  • Cheque-Mate Pro Lifetime$59.99
2 purchases

Bill Spark Manager

Subscriptions2
  • Bill Spark Monthly3 Days trial$4.991 Month
  • Bill Spark Yearly3 Days trial$39.991 Year

Questions

Is Cheque free?
Cheque is free to download, with in-app purchases available.
Is Bill Spark Manager free?
Bill Spark Manager is free to download, with in-app purchases available.
Do Cheque or Bill Spark Manager have ads?
Neither Cheque nor Bill Spark Manager shows ads.
Which is updated more often, Cheque or Bill Spark Manager?
Cheque ships an update every 6 days, and Bill Spark Manager every 2 days. Most recently, Cheque was updated on October 5, 2026 and Bill Spark Manager on October 7, 2026.

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