# Stow vs BillVault

The clearest difference is device support: BillVault at 3 against Stow's 1. Stow's advantage is iOS requirement (17.0 vs 26.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Stow sells 3 in-app purchases, starting at $4.99 per month and BillVault sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Stow ships an update every 4 days, BillVault every 5 days. The most recent releases landed on October 21, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Stow | BillVault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (4 ratings)](https://appshunter.io/ios/app/billvault-bill-tracker/id6808041226/reviews)** |
| Number of ratings | — | **4** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 5 days |
| Monetization | Freemium | Freemium |
| Size | 13 MB | 6 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Max Koumarelas](https://appshunter.io/developer/1893513228) | [David Long](https://appshunter.io/developer/6794790595) |

## What reviewers say

### Stow

[App page](https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901)

This privacy-focused app helps you manage your money using the envelope budgeting method. Easily divide your income into virtual envelopes, track spending in real-time, and always know your available balance. It operates entirely offline, keeping your financial data secure on your device.

**Highlights:** Envelope budgeting, Offline operation, Privacy-focused, Quick transaction logging, Customizable envelopes, Multi-currency support

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Stow Premium — Monthly | $4.99 | per month |
| Stow Premium — Annual | $39.99 | per year |
| Stow Premium — Lifetime | $59.99 | one-time |


### BillVault

[App page](https://appshunter.io/ios/app/billvault-bill-tracker/id6808041226)

Manage all your bills and subscriptions in one place with timely reminders and spending insights. Easily add bills by scanning or importing, and get personalized advice on safe spending until your next payday. Features include cancellation assistance and duplicate service detection.

**Highlights:** Bill and subscription tracking, Automated bill reminders, Spending analysis by category, Bill scanning and import, Subscription cancellation assistance, Free trial and price rise alerts, Privacy-focused design

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BillVault Pro Monthly | $3.99 | per month |
| BillVault Pro Yearly | $29.99 | per year |
| BillVault Pro Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Stow free?

Stow is free to download, with in-app purchases available.

### Is BillVault free?

BillVault is free to download, with in-app purchases available.

### Do Stow or BillVault have ads?

Neither Stow nor BillVault shows ads.

### Which is updated more often, Stow or BillVault?

Stow ships an update every 4 days, and BillVault every 5 days. Most recently, Stow was updated on October 21, 2026 and BillVault on October 26, 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.*