Bills io - Track Your Expenses 17+

Private & secure bill manager

Studio Ember LLC

    • 4.6 • 35 Ratings
    • Free
    • Offers In-App Purchases


Bills io is a privacy first, personal finance app that keeps organizes, manages, and notifies you about your recurring and one-off expenses (Bills). Get started with a full featured, ad-free app experience today! Bills io is free to start and will always stay free to get started with your personal finances.

Store and track your Bills between devices (iPhone, iPad, and Mac). Learn about how much money is used for monthly subscriptions, utilities, and day to day expenses like rent. Track and record payments that fluctuate each month. Bills io will calculate the average cost to help you plan how much money you need for bills every month. You can now export this data to Excel or Numbers to process how you'd like.

Bills io uses Apple's built in syncing via iCloud and your data stays with you in your iCloud account. There is no 3rd party looking into the Bills you add in the app. Everything is processed on device, and none of your data is sold to analytics companies. Bills io takes privacy as a first principle for all current and upcoming features.

Because Bills io does not connect to your bank account, please note you will have to input your bills to track. It is easy to set up recurring bills and expenses, but it is manual. Your privacy is important; take this time to review what should continue to be purchased every month and what may have been forgotten about.



Organize your bills with tags and track where each bill charges by account. For example, Bills io can tell you how much money your credit card gets charged per month for all of your subscriptions. You can then plan to budget that cost every month with your bank account.


Track and record when you pay a Bill online. Bills io allows you to record any notes about a payment to recall later on. Notes support basic Markdown formatting to allow for links, formatting, and complex records. Export all of your payments to a CSV file for processing outside Bills io.


See, track, and record payments for your upcoming Bills. Check out your recent payments and see how much money is due in the next week or month. Bills io tracks your average monthly cost for all bills.


Notifications are handled locally and never sent out from a server. Be notified for bills you pay manually or get notified before an auto withdrawal.


Bills io uses CloudKit to sync your data privately inside your iCloud account. You do not need an account signup or to upload your sensitive financial data. Bills io cannot see any of your personal finances and there is no magic algorithm processing your payment history while selling your data.


Use everywhere in the Apple ecosystem. Available on iPhone, iPadOS, and macOS.


Premium subscription is available to help get the most out of organizing your bills.

▶ Graphing payments and average costs per month
▶ Filtering by Collections, Accounts, and Tags
▶ Payment Notes
▶ Export Payments and Bills to CSV Files
▶ Lock Bills io with Face ID or Touch ID
▶ Create and view notes for payments
▶ Add and manage multiple collections
▶ Organize bills based on payment accounts
▶ Tag and create your own custom organization structure
▶ Set custom notification reminder times
▶ Access to all upcoming premium features
▶ Support indie development


▶ Monthly and annual subscriptions are available
▶ Payment will be charged to your iTunes account at confirmation of purchase
▶ Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period
▶ Automatic renewals will be charged at the same price you were originally charged for the subscription
▶ Subscriptions can be managed or cancelled by going to Account Settings on the App Store after purchase

Privacy Policy:

What’s New

Version 3.0.3

Quick update to include the following fixes:

- Adds Tag filtering back in for Bills and Payments
- Revises filtering clearing
- Updates the About section in Settings with new links for the Mastodon social feed and release notes


Summer is here and so is a complete overhaul to Bills io. A lot of work went into this release and will allow for easier updates in the future. All of the code is now shared between iOS, iPad, and macOS versions to bring features out faster and with more consistency between platforms. Thank you for your support, and I hope you enjoy this release!

This is a major update that brings a lot of behind the scenes maintenance for future features. But, rest assured, there are a lot of great additions included:

▶ Graphs! You can now see a visual overview of how much money is going out per month or dive into each bill and see month by by month amounts (Premium Only)

▶ Filters have replaced the multiple list options to organize bills. You can now stay in the same list and change filters for various accounts, tags, collections, or see all of the archived bills. (Premium for Account, Tag, and Collection filtering)

▶ Windowing is added to the iPad with full support for popping out windows for individual bills. Keep a bunch of bills open in Stage Manager while paying

▶ Redesigned overview section to see a view of what is due when and for how much

▶ Search any list to filter by bill name, accounts, tags, etc.

▶ Bill notes, jot down any information and save it with a bill. Account numbers, addresses, or anything else. (Premium Only)

▶ Redesigned Account, Tag, and Collection selectors. You can now make edits to any of your organizational tools in-line and while paying or editing a bill

▶ Menus for bills are redone with additional actions

▶ Landscape interface support, use Bills io in any orientation

▶ Adding urls no longer need http:// or https:// for Safari to open the link

▶ Updated the purchasing logic for in-app purchases

Ratings and Reviews

4.6 out of 5
35 Ratings

35 Ratings

Tiny Colombian ,

Love tags!

I have been using this app a couple months now and I have to say it is my favorite app to track my expenses. I really like that I don’t have to add my bank information and all the info I add is in my iCloud account. I think the app is really easy to use. I especially love the tags! It helps me to divide all my expenses in categories. Also love how you can set reminders, and if you pay earlier, you can add a note and the date you actually paid. Also for those bills that have odd pay days, let’s say every 3 months, you can set up whatever time frame you can your bill to repeat. The app also gives you a total for the week and for the month. Highly recommend it!

brywill32606 ,

Great App!

I had been using Bills Organizer for a long time and really liked but occasionally I would not open on my iPad, after a few days it would then work fine it was until it did the same on my iPhone I started looking for a new app. I found this one and I Love it! I have been using it for a while and it is great!
You need to take time and set it up but once you do when it rocks! I really like that you can print the bills that have been paid so you can reconcile with you bank. So far, I haven’t experienced any issues.
I would definitely recommend this app.

Dayana Bjorkman ,

Great app!

I love finances and before this amazing tool, I was doing my budget in my notebook. When I found this amazing app to track all my bills and the price was so affordable I started using it for everything and it's amazing! If you want to know how much money do you spent per month you should download this app, which helps you save money and pay on time. I highly recommend this! 🌟🌟🌟🌟🌟

App Privacy

The developer, Studio Ember LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Some in‑app purchases, including subscriptions, may be shareable with your family group when Family Sharing is enabled.

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