# Bill Watch vs Bills io

The clearest difference is ads: Bills io at none against Bill Watch's shown. Bills io also leads on rating (4.7 vs 4.2) and update cadence (every 6 weeks vs every 5 months). Bill Watch's advantage is ratings volume (158 vs 34) and iOS requirement (16.0 vs 26.0). On price, review sentiment, in-app purchases and monetization model there is nothing between them.

Both are free to download. Bill Watch sells 2 in-app purchases, starting at $1.99 per 6 months and Bills io sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Bills io holds the better App Store score, 4.7 against 4.2. Both are backed by a comparable volume of ratings — 158 and 34 respectively. Written reviews complicate that: 80% of Bill Watch's written reviews are positive against 74% of Bills io's, so the app with the better star average is not the one people write more warmly about.

Bill Watch ships an update every 5 months, Bills io every 6 weeks. The most recent releases landed on October 22, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Bill Watch | Bills io |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (158 ratings)](https://appshunter.io/ios/app/bill-watch/id949348178/reviews) | **[4.7 (34 ratings)](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119/reviews)** |
| Number of ratings | **158** | 34 |
| Positive reviews | **80.2% of reviews** | 73.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 28 MB | 45 MB |
| Requires iOS | **16.0** | 26.0 |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, Mac |
| Age rating | 4+ | 17+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Studio Ember LLC](https://appshunter.io/developer/1499730118) |

## What reviewers say

### Bill Watch

[App page](https://appshunter.io/ios/app/bill-watch/id949348178)

Organize all your income and expense bills in one place. Get timely reminders for upcoming payments to avoid late fees and simplify your financial life. Track payment status, generate reports, and manage your money with ease.

**Highlights:** Track income and expense bills, Set custom payment reminders, Calendar and list bill views, Generate financial reports, Create repeating bills, Export bills data, Passcode and Touch ID protection

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $1.99 | per 6 months |
| Pro Version | $19.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 🚀 Helpful for budgeting and bill reminders
- 👍 Allows unlimited bills and incomes
- 👍 Provides graphs and charts for expenses
- 👍 Useful for improving credit score

**What reviewers complain about**

- 🐛 Reporting functionality broken after recent update
- 🐛 Crashes when trying to use certain features
- 🐛 Unable to restore data when changing devices
- 🐛 Recurring bills not working correctly

**Reported bugs**

- Notifications not working as expected
- Data loss when transferring to new device
- Recurring bills not updating correctly

**Requested features**

- Ability to customize categories and accounts
- Weekly report view in addition to monthly/quarterly/yearly
- Sync with bank accounts
- Ability to share data with others


### Bills io

[App page](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119)

Organize and track all your recurring and one-off expenses with this privacy-focused finance app. Get timely notifications for upcoming bills and analyze your spending patterns. Data syncs securely across your Apple devices via iCloud.

**Highlights:** Organize bills with tags, Track expenses by account, Log payment history, Export data to Excel/Numbers, Receive bill notifications, Sync across Apple devices

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium (1 Month) | $0.99 | per month |
| Premium (1 Year) | $9.99 | per year |
| Premium (Lifetime) | $39.99 | one-time |


## Frequently asked questions

### Is Bill Watch free?

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

### Is Bills io free?

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

### Which has better reviews, Bill Watch or Bills io?

Bills io is rated higher. Bill Watch averages 4.2 out of 5 from 158 ratings, while Bills io averages 4.7 from 34 ratings.

### Do Bill Watch or Bills io have ads?

Bill Watch shows ads; Bills io does not.

### Which is updated more often, Bill Watch or Bills io?

Bill Watch ships an update every 5 months, and Bills io every 6 weeks. Most recently, Bill Watch was updated on October 22, 2026 and Bills io on October 20, 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.*