Paycheck by Paycheck vs Bills Copilot
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paycheck by Paycheck
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Budget by paycheck, not by month. Plan bills, savings, and spending around your actual pay schedule. Know what’s safe to spend before payday and give every paycheck a purpose. • Bill planning • Spending envelopes • Savings goals • Future expense planning • Safe-to-spend tracking Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://paycheckbypaycheck.com/privacy
Bills Copilot
Organize your bills, get timely reminders for due dates, and maintain a clear record of your payments. This app allows you to track unlimited bills with customizable schedules and payment history.
- Track unlimited bills
- Customizable bill schedules
- Optional payment reminders
- Mark bills as paid
- Payment history tracking
- Calendar view
- Spending statistics
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Know what's due. Know what's left. Bills Copilot helps you keep track of your bills and plan around payday. Add your bills and, if you want, add when you normally get paid. Bills Copilot will show you what's due before your next payday and what you expect to have left after your bills. Plan around payday See which bills are due before your next payday, how much you expect to get paid, and what you expect to have left afterward. Adding income is optional. You can still use Bills Copilot as a simple bill tracker without it. Pay a bill all at once or a little at a time Record what you actually paid. If you only paid part of a bill, Bills Copilot keeps track of what's still left. Paycheck different this time? You can adjust an upcoming paycheck or record what you actually received without changing what you normally expect to get paid. See what's coming Use the calendar to see your bills and paydays together. Understand where your money went Insights lets you look at your bills by category and compare what you expected to pay with the payments you actually recorded. Stay ahead of due dates Set reminders for your bills and optional payday notifications. No bank connection required Bills Copilot doesn't need access to your bank account, and you don't need to create an account to use it. You also get recurring bills, payment history, autopay tracking, multiple income schedules, monthly planning, search and filters, backup and restore, CSV export, and Light and Dark Mode. Bills Copilot isn't trying to replace your bank or become a complicated budgeting app. It helps you answer two simple questions: What's due? And what's expected to be left?
Screenshots
Verdict
The clearest difference is in-app purchases: Bills Copilot at none against Paycheck by Paycheck's 2. Paycheck by Paycheck's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 26.0). On price, update cadence and ads 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. Paycheck by Paycheck sells 2 in-app purchases, starting at $5.99 per month. Bills Copilot asks for nothing beyond the download.
Paycheck by Paycheck ships an update fortnightly, Bills Copilot every 2 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.
| Parameter | Paycheck by Paycheck | Bills Copilot |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (4 ratings) — better |
| Number of ratings | — | 4 — better |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 65 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | DAVID ANDREW LIVINGSTON | Gabriel Sanchez |
In-app purchases
Paycheck by Paycheck
- Monthly Subscription14 Days trial$5.991 Month
- Annual Subscription14 Days trial$49.991 Year
Bills Copilot
No in-app purchases
Questions
Is Paycheck by Paycheck free?
Is Bills Copilot free?
Do Paycheck by Paycheck or Bills Copilot have ads?
Which is updated more often, Paycheck by Paycheck or Bills Copilot?
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