Comparison

Billy vs SmartSpent

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

Head to head
About

Billy

Manage your personal expenses with this app. Create shopping and spending lists, track monthly expenditures, and visualize your financial habits. Set spending goals and organize expenses with color-coded tags for better organization.

Highlights
  • Create and manage shopping and expense lists
  • Track monthly spending
  • Set monthly spending goals
  • Organize expenses by color-coded tags
  • Share lists with friends and family
  • Visualize spending with a dashboard
Features
Read full description

Billy é o seu assistente de despesas pessoais. Crie listas de compras e gastos, acompanhe quanto está gastando por mês e mantenha suas finanças organizadas de forma simples e visual. O que você pode fazer com o Billy: • Criar e gerenciar listas de compras e despesas • Adicionar itens com preço e quantidade • Compartilhar listas com amigos e família • Ver um dashboard completo com seus gastos mensais • Definir metas mensais de gastos • Organizar despesas por tags coloridas • Comparar períodos e identificar tendências Planos disponíveis: • Grátis — até 3 despesas, controle básico de gastos • Essential — despesas ilimitadas, análise de até 12 meses, filtros avançados • PRO — dashboard completo, tags, metas, comparativo de períodos e muito mais Simples de usar, poderoso o suficiente para transformar a forma como você cuida do seu dinheiro. Terms of Use: https://app-billy.com/#terms Privacy Policy: https://app-billy.com/#privacy

About

SmartSpent

Features
Read full description

SmartSpent is the money manager your iPhone deserves — built entirely with Apple technologies, designed from the ground up to feel native on iOS. No bloat. No subscriptions. Just a thoughtful, private app for your finances. TRACK SPENDING YOUR WAY - Scan receipts with your camera to auto-fill transaction details - Add transactions manually or from your Apple Watch - Manage multiple accounts and wallets in one place - Record transfers between accounts - Organise with built-in and custom categories BILLS & INSTALLMENTS Never miss a payment. Track all your recurring bills in one place and get notified before they're due. Log credit card installment plans and watch your progress month by month. STAY ON BUDGET Set monthly budgets and see exactly where you stand at a glance. SmartSpent shows your spending trends so you can make smarter decisions before the month is over. AI-POWERED INSIGHTS SmartSpent uses Apple Intelligence to surface patterns in your spending — analysed entirely on your device, never sent anywhere. BUILT FOR THE APPLE ECOSYSTEM SmartSpent lives where you do — across every Apple device and surface: - Apple Watch app for lightning-fast transaction entry on your wrist - Home Screen widget shows your balance without opening the app - iCloud sync keeps your data in perfect harmony across all your devices - Face ID keeps your finances visible only to you - Multi-currency support for travellers and international users - Export your data any time in a format you can use PRIVATE BY DEFAULT Your financial data stays on your device. No third-party analytics. No cloud servers we control. Just your numbers, protected by the same security that runs your iPhone.

Screenshots

Billy4 screens
SmartSpent4 screens

Verdict

The call

The clearest difference is update cadence: SmartSpent at every 4 days against Billy's every 10 days. Billy's advantage is iOS requirement (15.1 vs 18.6). On price, ads, in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Billy sells 7 in-app purchases, starting at $1.99 per month and SmartSpent sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Billy ships an update every 10 days, SmartSpent every 4 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 6 level
Billy versus SmartSpent: the parameters behind the verdict, then further details
ParameterBillySmartSpent
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 10 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS15.1 — better18.6
Further details — not scored
Size44 MB14 MB
Age rating+44+
DeveloperWesley FernandesJayco Bea

In-app purchases

7 purchases

Billy

Subscriptions7
  • Essential2 variants$1.991 Month
  • Plano Essential$1.991 Month
  • Plano Pro3 variants$2.991 Month
Show 4 more
  • Plano Essential$11.991 Year
  • Essential Anual$11.991 Year
  • Plano Pro$22.991 Year
  • Plano Pro Anual$22.991 Year
1 purchases

SmartSpent

One-time1
  • SmartSpent Pro$2.99

Questions

Is Billy free?
Billy is free to download, with in-app purchases available.
Is SmartSpent free?
SmartSpent is free to download, with in-app purchases available.
Do Billy or SmartSpent have ads?
Neither Billy nor SmartSpent shows ads.
Which is updated more often, Billy or SmartSpent?
Billy ships an update every 10 days, and SmartSpent every 4 days. Most recently, Billy was updated on October 24, 2026 and SmartSpent on October 28, 2026.

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