# Bill Watch vs Smart Budget

The clearest difference is in-app purchases: Smart Budget at none against Bill Watch's 2. Smart Budget also leads on ads (none vs shown) and update cadence (every 5 weeks vs every 5 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Bill Watch sells 2 in-app purchases, starting at $1.99 per 6 months. Smart Budget asks for nothing beyond the download.

Bill Watch ships an update every 5 months, Smart Budget every 5 weeks. The most recent releases landed on September 26, 2026 and September 4, 2026 respectively.

## The numbers

| Metric | Bill Watch | Smart Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (157 ratings)](https://appshunter.io/ios/app/bill-watch/id949348178/reviews)** | — |
| Number of ratings | **157** | — |
| Positive reviews | 80.2% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 5 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 28 MB | 37 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Mateusz Hermanowicz](https://appshunter.io/developer/1829300299) |

## 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


### Smart Budget

[App page](https://appshunter.io/ios/app/smart-budget/id6749210342)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Bill Watch free?

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

### Is Smart Budget free?

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

### Do Bill Watch or Smart Budget have ads?

Bill Watch shows ads; Smart Budget does not.

### Which is updated more often, Bill Watch or Smart Budget?

Bill Watch ships an update every 5 months, and Smart Budget every 5 weeks. Most recently, Bill Watch was updated on September 26, 2026 and Smart Budget on September 4, 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.*