Comparison

Track My Bills vs SubsTrack

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

Head to head
About

Track My Bills

Features
Read full description

Never miss a bill again. Track My Bills is the smartest bill tracker and subscription manager โ€” helping you stay on top of every recurring payment, direct debit, and annual renewal, all in one beautifully simple app. Whether you're managing household utilities, streaming subscriptions, insurance renewals, gym memberships, or annual debt repayments, Track My Bills puts you firmly in control of your outgoings. No more surprise charges, no more late payment fees, and no more losing track of what you're spending each month. SMART REMINDERS, YOUR WAY Get notified before bills are due with fully customisable reminders. Its felxible enough to add additional reminders โ€” giving you time to move money, set up a payment, or simply budget ahead. Add a second reminder even closer to the day for extra peace of mind. Each bill has its own reminder settings, so you're always in control. COMPLETE PAYMENT HISTORY Record every payment with the exact date, amount, and notes. Build a full history of what you've paid and when โ€” useful for spotting price creep, disputing charges with providers, or simply understanding your financial habits over time. RENEWAL TRACKING MADE EASY Renew bills at the same cost in one tap, or update the amount and due date when prices change. Track My Bills makes it effortless to stay current, so your bill list is always accurate and up to date. SPENDING INSIGHTS & CHARTS See exactly where your money goes each month. Visual charts break down your spending by category โ€” utilities, subscriptions, insurance, and more โ€” giving you a clear picture of your monthly and annual outgoings at a glance. Understanding your budget has never been simpler. PRICE HISTORY Watch how your bills change over time. Track My Bills logs every renewal so you can see exactly when providers raised their prices โ€” and by how much. Perfect for spotting sneaky annual increases before your next renewal. KEY FEATURES - Smart reminders โ€” customisable working-day alerts per bill, with optional second reminder - Payment history โ€” full log of every payment with date, amount and notes - Renewal tracking โ€” one-tap renewal or update amount and due date - Spending insights โ€” monthly and annual spend by category with visual charts - Price history โ€” track cost changes across every bill over time - Custom categories โ€” organise bills your way - Notes per bill โ€” store account numbers, provider details and contract info - Passcode & Face ID โ€” lock the app for privacy - Dark mode โ€” automatic dark and light mode support - iCloud sync โ€” bills sync seamlessly across all your Apple devices PERFECT FOR Household bills ยท Monthly subscriptions ยท Streaming services ยท Insurance renewals ยท Gym and club memberships ยท Mobile phone contracts ยท Broadband and utilities ยท Annual renewals ยท Direct debits ยท Debt repayments Take control of your finances today. Download Track My Bills and never be caught off guard by a bill again.

About

SubsTrack

Features
Read full description

SubsTrack tracks subscriptions and reminds you before renewals. SubsTrack is built around one focused idea, with a polished, native interface and zero clutter. FEATURES - Clear, private tracking - On-device only โ€” no bank login - Helpful charts - No account needed PRIVACY Everything stays on your device. No accounts, no ads, no tracking. โ€” SUBSCRIPTION โ€” SubsTrack Premium unlocks all features. - Weekly: $9.99 per week - Yearly: $49.99 per year (3-day free trial) Payment is charged to your Apple ID at confirmation of purchase. Subscriptions auto-renew unless turned off at least 24 hours before the end of the current period. Manage or cancel anytime in App Store settings. Terms of Use (EULA): https://web-levi.web.app/terms-of-service Privacy Policy: https://web-levi.web.app/privacy-policy

Screenshots

Track My Bills4 screens
SubsTrack3 screens

Verdict

The call

The clearest difference is in-app purchases: Track My Bills at none against SubsTrack's 2. Track My Bills also leads on update cadence (every 5 days vs every 3 weeks) and iOS requirement (15.1 vs 17.0). On price, ads and device support 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. SubsTrack sells 2 in-app purchases, starting at $4.99 per 7 days. Track My Bills asks for nothing beyond the download.

UpkeepUpdate frequency

Track My Bills ships an update every 5 days, SubsTrack every 3 weeks. The most recent releases landed on October 1, 2026 and October 7, 2026 respectively.

Scorecard3 real differences ยท 3 level
Track My Bills versus SubsTrack: the parameters behind the verdict, then further details
ParameterTrack My BillsSubsTrack
PriceFreeFree
Update frequencyEvery 5 days โ€” betterEvery 3 weeks
AdsNoNo
In-app purchasesNo โ€” betterYes
DevicesiPhone, iPod โ€” betteriPhone
Requires iOS15.1 โ€” better17.0
Further details โ€” not scored
Size43 MB1 MB
Age rating4+4+
DeveloperAnish PatelPhuc Pham

In-app purchases

None

Track My Bills

No in-app purchases

2 purchases

SubsTrack

Subscriptions2
  • Weekly$4.997 Days
  • Yearly$24.991 Year

Questions

Is Track My Bills free?
Track My Bills is free to download, with no in-app purchases.
Is SubsTrack free?
SubsTrack is free to download, with in-app purchases available.
Do Track My Bills or SubsTrack have ads?
Neither Track My Bills nor SubsTrack shows ads.
Which is updated more often, Track My Bills or SubsTrack?
Track My Bills ships an update every 5 days, and SubsTrack every 3 weeks. Most recently, Track My Bills was updated on October 1, 2026 and SubsTrack on October 7, 2026.

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