# Bill Watch vs Spending Tracker

The clearest difference is rating: Spending Tracker at 5.0 against Bill Watch's 4.2. Spending Tracker also leads on ads (none vs shown) and update cadence (every 3 weeks vs every 5 months). Bill Watch's advantage is ratings volume (158 vs 4). On price, in-app purchases, monetization model and device support 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 Spending Tracker sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Spending Tracker holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Bill Watch has 158 ratings behind it against 4, so its average is the more settled of the two.

Bill Watch ships an update every 5 months, Spending Tracker every 3 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Bill Watch | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (158 ratings)](https://appshunter.io/ios/app/bill-watch/id949348178/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/spending-tracker-budgeting/id6739849182/reviews)** |
| Number of ratings | **158** | 4 |
| Positive reviews | 80.2% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 28 MB | 16 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Martin Mitrevski](https://appshunter.io/developer/916550307) |

## 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


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-budgeting/id6739849182)

Effortlessly manage your money by tracking expenses, income, and budgets. Gain insights into spending habits with detailed reports and customizable categories. Automate recurring transactions for seamless financial organization.

**Highlights:** Intuitive financial dashboard, Expense and income logging, Monthly budget management, Recurring transaction automation, Customizable spending reports, Personalized category management

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $1.99 | per month |
| 6 Months Access | $9.99 | per 6 months |
| Yearly Access | $14.99 | per year |


## Frequently asked questions

### Is Bill Watch free?

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

### Is Spending Tracker free?

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

### Which has better reviews, Bill Watch or Spending Tracker?

Spending Tracker is rated higher. Bill Watch averages 4.2 out of 5 from 158 ratings, while Spending Tracker averages 5.0 from 4 ratings.

### Do Bill Watch or Spending Tracker have ads?

Bill Watch shows ads; Spending Tracker does not.

### Which is updated more often, Bill Watch or Spending Tracker?

Bill Watch ships an update every 5 months, and Spending Tracker every 3 weeks. Most recently, Bill Watch was updated on October 22, 2026 and Spending Tracker on October 24, 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.*