Comparison

Reign vs SettledBills

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

Reign

Features
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See where your money went. Decide where it goes next. Reign turns receipts into a clear picture of your spending. Snap a paper receipt, upload a photo or PDF, or log an expense yourself. No bank login required. KEEP THE DETAIL Reign reads the store, date, total, and individual items, then sorts your spending into categories. Review the result alongside your receipt and adjust what you need. With Plus, forward email receipts to your Reign address. SEE YOUR SPENDING Follow spending by category and store, compare months, and explore patterns in your recorded purchases. Search your transaction history and use filters to find what you need. BRING YOUR MONEY TOGETHER Track cash, cards, savings, and investments in wallets. Keep personal spending separate from shared spaces, or see who spent what with a partner. Import CSV statements to bring existing records into Reign. PLAN YOUR NEXT STEP Set spending targets and track your progress. Keep track of personal loans and debts you owe, build a payoff plan, and see how extra payments could change your payoff date. FREE TO START Your first 30 receipt scans are free, with no expiry. Plus includes up to 400 scans per month, email receipts, longer Insights history, and more room for wallets and shared spaces. Payment is charged to your Apple ID account. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your App Store account settings. Terms: https://heyreign.com/terms Privacy: https://heyreign.com/privacy

About

SettledBills

Features
Read full description

Know what's due, and what covers it โ€” before the day it's due. SettledBills never connects to your bank. You add your bills once โ€” rent, phone, Netflix, the gym โ€” and it quietly keeps track from there. Offline, private, and out of your way. WHAT YOU GET โ€ข This month, at a glance โ€” every bill sorted by due date, account or category. One swipe marks it paid โ€ข Know what pays for what โ€” tag each bill with the account or card it comes from, so you're never guessing โ€ข Payday view (optional) โ€” see what's due before your next payday, and what can wait until after โ€ข One reminder that matters โ€” a single daily notice listing what's due, timed to - the day it's due, a day before, or three days before, your choice โ€ข Your subscriptions, covered too โ€” add Netflix, Spotify, or anything recurring; SettledBills recognizes the common ones automatically and totals what subscriptions cost you a year, right inside Insights, no separate subscription app needed โ€ข Home Screen widget โ€” check what's still unpaid without opening the app โ€ข Fixed or variable โ€” some bills are the same every month, some aren't; SettledBills handles both, and asks the real amount when you mark a variable one paid โ€ข Quiet insights โ€” an honest look at what you spend monthly and yearly, by category and by account, with charts that don't need a legend to understand โ€ข Card on file โ€” track services like Uber or food delivery where your card is saved but there's no scheduled bill to pay โ€ข Smart search โ€” find any bill, category, or card by typing a few letters, all in the same place โ€ข Your data, your file, on every plan โ€” export everything as CSV or a full backup, free or Pro, anytime; we don't hold your own data behind a paywall WHO IT'S FOR Anyone who's been caught by a bill they forgot was due, or moved money around and guessed wrong account its paid from. If you'd rather not hand your bank login to another app just to see what you owe, this is built for you. PRIVATE BY DEFAULT No sign-in. No server holding your bills. No ads. No tracking โ€” not "we don't sell your data," but we never collect it in the first place. FREE, HONESTLY Your first 10 bills are free, forever โ€” not a trial, not a countdown โ€” and that covers most people outright. Need more? SettledBills Pro unlocks unlimited bills and can be shared with your family through Apple Family Sharing. Cancel anytime โ€” you're never locked out, you just drop back to your free 10, forever. SUBSCRIPTION & PRICING TERMS SettledBills Pro is an auto-renewing subscription: USD$3.99/month or USD$39.99/year. Payment is charged to your Apple ID account at confirmation of purchase, and renews automatically within 24 hours of the end of each period unless cancelled at least 24 hours before renewal. Manage or cancel anytime in iPhone Settings โ†’ your name โ†’ Subscriptions. Prices may vary by region. Terms of Use: https://settledbills.com/terms Privacy Policy: https://settledbills.com/privacy Support: settledbills.support@icloud.com If SettledBills saves you one overdraft fee, it's already paid for itself.

Screenshots

Reign4 screens
SettledBills4 screens

Verdict

The call

The clearest difference is iOS requirement: Reign at 15.0 against SettledBills's 18.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Reign sells 2 in-app purchases, starting at $11.99 per month and SettledBills sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard1 real difference ยท 5 level
Reign versus SettledBills: the parameters behind the verdict, then further details
ParameterReignSettledBills
PriceFreeFree
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPod โ€” betteriPhone
Requires iOS15.0 โ€” better18.0
Further details โ€” not scored
Size71 MB17 MB
Age rating4+4+
DeveloperNullPointer d.o.o.Saurabh Verma

In-app purchases

2 purchases

Reign

Subscriptions2
  • Reign Plus (Monthly)$11.991 Month
  • Reign Plus (Annual)$89.991 Year
3 purchases

SettledBills

Subscriptions2
  • Pro$3.991 Month
  • Pro$39.991 Year
One-time1
  • Founder Lifetime$79.99

Questions

Is Reign free?
Reign is free to download, with in-app purchases available.
Is SettledBills free?
SettledBills is free to download, with in-app purchases available.
Do Reign or SettledBills have ads?
Neither Reign nor SettledBills shows ads.
Which is updated more often, Reign or SettledBills?
Reign ships an update every 3 weeks, and SettledBills every 3 weeks. Most recently, Reign was updated on October 24, 2026 and SettledBills on October 25, 2026.

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