Finmate vs Bilvio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Finmate
Manage your finances with tools for tracking expenses, setting budgets, and planning debt payoff. An AI assistant provides insights and forecasts to help you spend smarter and save more.
- Expense and income logging
- Category-based transaction organization
- Smart budgeting with alerts
- Debt payoff planner (Avalanche/Snowball)
- AI-powered financial insights
- Net worth and cash flow dashboard
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Finmate: Budget & Debt Tracker is your all-in-one personal finance companion. Take control of your money with powerful yet simple tools designed to help you spend smarter, save more, and crush your debt. Track Every Dollar Log income and expenses in seconds. Organize transactions by category and get a clear picture of where your money goes. Smart Budgets Set monthly budgets by category and get real-time alerts before you overspend. Debt Payoff Planner Use Avalanche or Snowball strategies to build a personalized debt payoff plan. Track progress, log payments, and see your debt-free date. AI-Powered Insights Chat with your personal finance AI assistant, get 30-day balance forecasts, and receive smart spending alerts. Dashboard at a Glance See your net worth, cash flow, money health score, and emergency fund status — all in one place. Privacy First No bank linking required. You control your data, entered manually or imported via CSV.
Bilvio
Organize your bills and track due dates to stay ahead of payments. This app helps you manage recurring expenses like mortgages, credit cards, and subscriptions without connecting to your bank.
- Track bills and due dates
- See monthly payment overview
- Mark bills as paid
- Organize recurring expenses
- No bank connections required
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Bilvio is a simple bill tracker built to keep you one step ahead. See what's due this month, what's already paid, and what's coming up next month — before it sneaks up on you. Mortgage, credit cards, subscriptions, insurance — add your bills once and always know where you stand. No bank connections. No budgeting. Just your bills, organized.
Screenshots
Verdict
The clearest difference is ads: Bilvio at none against Finmate's shown. Bilvio also leads on monetization model (free vs ad-supported). Finmate's advantage is ratings volume (6 vs 1). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Finmate against 5.0 for Bilvio. That said, the two scores are not equally well evidenced: Finmate has 6 ratings behind it against 1, so its average is the more settled of the two.
| Parameter | Finmate | Bilvio |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (6 ratings) | 5.0 (1 ratings) |
| Number of ratings | 6 — better | 1 |
| Update frequency | Weekly | — |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 86 MB | 185 MB |
| Age rating | 4+ | 4+ |
| Developer | Ahmed Chebli | Derek Voight |
In-app purchases
Finmate
No in-app purchases
Bilvio
No in-app purchases
