# SubGuard AI vs Bills Copilot

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.

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.

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.

## The numbers

| Metric | SubGuard AI | Bills Copilot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (4 ratings)](https://appshunter.io/ios/app/bills-copilot/id6795343743/reviews)** |
| Number of ratings | — | **4** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 6 MB | 4 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone | iPhone |
| Age rating | 9+ | 4+ |
| Developer | [志刚 刘](https://appshunter.io/developer/1891134476) | [Gabriel Sanchez](https://appshunter.io/developer/6775654714) |

## What reviewers say

### SubGuard AI

[App page](https://appshunter.io/ios/app/subguard-ai-subscription-log/id6762180214)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SubGuard Pro Yearly | $19.99 | per year |
| SubGuard Pro Lifetime | $49.99 | one-time |


### Bills Copilot

[App page](https://appshunter.io/ios/app/bills-copilot/id6795343743)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*