# OwnFi vs BillVault

The clearest difference is in-app purchases: OwnFi at none against BillVault's 3. OwnFi also leads on iOS requirement (15.1 vs 26.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. BillVault sells 3 in-app purchases, starting at $3.99 per month. OwnFi asks for nothing beyond the download.

OwnFi ships an update every 4 days, BillVault every 5 days. The most recent releases landed on October 14, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | OwnFi | BillVault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (4 ratings)](https://appshunter.io/ios/app/billvault-bill-tracker/id6808041226/reviews)** |
| Number of ratings | — | **4** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 5 days |
| Monetization | — | Freemium |
| Size | 42 MB | 6 MB |
| Requires iOS | **15.1** | 26.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Maneesh Baid](https://appshunter.io/developer/6777862503) | [David Long](https://appshunter.io/developer/6794790595) |

## What reviewers say

### OwnFi

[App page](https://appshunter.io/ios/app/ownfi/id6786551153)

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

**In-app purchases:** none


### 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 OwnFi free?

OwnFi is free to download, with no in-app purchases.

### Is BillVault free?

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

### Do OwnFi or BillVault have ads?

Neither OwnFi nor BillVault shows ads.

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

OwnFi ships an update every 4 days, and BillVault every 5 days. Most recently, OwnFi was updated on October 14, 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.*