Comparison

SubGuard AI 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

SubGuard AI

Features
Read full description

Keep your subscriptions, free trials, and recurring bills organized in one place. SubGuard helps you see what you're paying for, stay ahead of upcoming renewals, and understand your recurring spending—all without connecting your bank account. Add subscriptions quickly with AI Smart Capture, choose from popular services, set renewal reminders, and keep everything organized in one simple dashboard. TRACK ALL YOUR SUBSCRIPTIONS • Subscription Dashboard See active subscriptions, free trials, upcoming renewals, and recurring costs in one place. • AI Smart Capture Snap a receipt or upload a screenshot to extract details such as the service name, price, and billing date. Review the information before adding it to your subscriptions. • Quick Add Choose from popular services and add subscriptions in just a few taps. STAY AHEAD OF RENEWALS • Renewal Reminders Get notified before upcoming renewal dates so you have time to review your subscriptions. • Free Trial Tracker Keep track of trial end dates and decide whether you want to continue before the next billing period. • Cancellation Help Find available cancellation information or direct links for supported services. SubGuard does not cancel third-party subscriptions on your behalf. UNDERSTAND YOUR SPENDING • Monthly & Yearly Costs See your recurring subscription spending at a glance. • Billing Overview Keep monthly and annual subscriptions organized so it's easier to understand where your money goes. • Home Screen Widgets Keep upcoming renewals and subscription information visible right from your Home Screen. PRIVATE BY DESIGN SubGuard does not require you to connect a bank account. Your subscription information stays under your control, so you can manage recurring expenses without sharing your bank credentials. SUBGUARD PRO Upgrade to SubGuard Pro to unlock premium features, including: • AI Smart Capture • Unlimited subscription tracking • Additional premium features Available purchase options: Annual Premium: $19.99/year Lifetime Premium: $49.99 one-time purchase Any available free trial and current pricing will be shown before purchase. For auto-renewing subscriptions, payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless canceled at least 24 hours before the end of the current subscription period. You can manage or cancel your subscription in your Apple ID subscription settings. Privacy Policy: http://subguard.shop/privacy.html Terms and Conditions: http://subguard.shop

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

SubGuard AI4 screens
Bills Copilot4 screens

Verdict

The call

The clearest difference is in-app purchases: Bills Copilot at none against SubGuard AI's 2. Bills Copilot also leads on ads (none vs shown) and update cadence (every 2 weeks vs monthly). SubGuard AI's advantage is iOS requirement (17.0 vs 26.0). On price 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. SubGuard AI sells 2 in-app purchases, starting at $19.99 per year. Bills Copilot asks for nothing beyond the download.

UpkeepUpdate frequency

SubGuard AI ships an update monthly, Bills Copilot every 2 weeks. The most recent releases landed on October 16, 2026 and October 11, 2026 respectively.

Scorecard4 real differences · 5 level
SubGuard AI versus Bills Copilot: the parameters behind the verdict, then further details
ParameterSubGuard AIBills Copilot
PriceFreeFree
Rating—5.0 (4 ratings) — better
Number of ratings—4 — better
Update frequencyMonthlyEvery 2 weeks — better
AdsYesNo — better
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhoneiPhone
Requires iOS17.0 — better26.0
Further details — not scored
Size6 MB4 MB
Age rating9+4+
Developer志刚 刘Gabriel Sanchez

In-app purchases

2 purchases

SubGuard AI

Subscriptions1
  • SubGuard Pro Yearly$19.991 Year
One-time1
  • SubGuard Pro Lifetime$49.99
None

Bills Copilot

No in-app purchases

Questions

Is SubGuard AI free?
SubGuard AI 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 SubGuard AI or Bills Copilot have ads?
SubGuard AI shows ads; Bills Copilot does not.
Which is updated more often, SubGuard AI or Bills Copilot?
SubGuard AI ships an update monthly, and Bills Copilot every 2 weeks. Most recently, SubGuard AI was updated on October 16, 2026 and Bills Copilot on October 11, 2026.

Other comparisons