Billy vs M Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
M Budget
This app helps you manage your finances with simple expense tracking, clear charts, and budget alerts. It prioritizes privacy with 100% on-device storage and no data collection. Track accounts, assets, and liabilities to gain better financial control.
- Fast expense and income logging
- Calendar view for daily spending
- Powerful statistical charts
- Net worth tracking
- Budget setting and alerts
- Multi-account management
- On-device data storage
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M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.
Screenshots
Verdict
The clearest difference is monetization model: M Budget at free against Billy's freemium. Billy's advantage is iOS requirement (15.1 vs 17.2). On price, review sentiment, 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. Billy sells 7 in-app purchases, starting at $1.99 per month and M Budget sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Billy ships an update every 10 days, M Budget every 2 weeks. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.
| Parameter | Billy | M Budget |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 10 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.1 — better | 17.2 |
| Further details — not scored | ||
| Size | 44 MB | 35 MB |
| Age rating | +4 | 4+ |
| Developer | Wesley Fernandes | 海燕 赵 |
Customer experience
Billy
M Budget
In-app purchases
Billy
- Essential2 variants$1.991 Month
- Plano Essential$1.991 Month
- Plano Pro3 variants$2.991 Month
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- Plano Essential$11.991 Year
- Essential Anual$11.991 Year
- Plano Pro$22.991 Year
- Plano Pro Anual$22.991 Year
M Budget
- M Budget Pro$14.99
