Comparison

Paycheck by Paycheck vs Bills Copilot

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

Head to head
About

Paycheck by Paycheck

Features
Read full description

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

About

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.

Highlights
  • Track unlimited bills
  • Customizable bill schedules
  • Optional payment reminders
  • Mark bills as paid
  • Payment history tracking
  • Calendar view
  • Spending statistics
Features
Read full description

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

Paycheck by Paycheck3 screens
Bills Copilot4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 6 level
Paycheck by Paycheck versus Bills Copilot: the parameters behind the verdict, then further details
ParameterPaycheck by PaycheckBills Copilot
PriceFreeFree
Rating—5.0 (4 ratings) — better
Number of ratings—4 — better
Update frequencyFortnightlyEvery 2 weeks — better
AdsNoNo
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better26.0
Further details — not scored
Size65 MB4 MB
Age rating4+4+
DeveloperDAVID ANDREW LIVINGSTONGabriel Sanchez

In-app purchases

2 purchases

Paycheck by Paycheck

Subscriptions2
  • Monthly Subscription14 Days trial$5.991 Month
  • Annual Subscription14 Days trial$49.991 Year
None

Bills Copilot

No in-app purchases

Questions

Is Paycheck by Paycheck free?
Paycheck by Paycheck is free to download, with in-app purchases available.
Is Bills Copilot free?
Bills Copilot is free to download, with no in-app purchases.
Do Paycheck by Paycheck or Bills Copilot have ads?
Neither Paycheck by Paycheck nor Bills Copilot shows ads.
Which is updated more often, Paycheck by Paycheck or Bills Copilot?
Paycheck by Paycheck ships an update fortnightly, and Bills Copilot every 2 weeks. Most recently, Paycheck by Paycheck was updated on November 5, 2026 and Bills Copilot on October 31, 2026.

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