BillWise is an iPhone bill tracker for credit cards, utility bills, and installment plans. Cutoff-aware billing cycles, payment forecasting, smart notifications, and gamification that rewards you for staying on top of your finances.
Now BillWise goes beyond bills: see what's Safe to Spend after income, track every subscription's monthly burn, and project your Runway to payday.
Bill trackerCredit card cutoffPayment reminderInstallmentsForecastingGamification
Most bill trackers only track due dates. BillWise understands your full billing cycle — from cutoff to statement to payment — and gives you a heads-up at every step. Combined with payment forecasting and a gamification layer, it turns bill management from a chore into a game you can win.
Screenshots
See BillWise in action.
Key features
What makes BillWise stand out.
01
Smart Dashboard
See all upcoming bills in one timeline view. Color-coded by type and urgency with overdue bills flagged immediately. Your monthly total, next 7 days, and category breakdown at a glance.
02
All Bills in One Place
Track credit cards, utility bills, and installment plans in a single organized list. Filter by type, see amounts, due dates, and payment status for every bill.
03
Payment Forecasting
See exactly how much you owe next month before the bills arrive. Confidence indicators show confirmed vs estimated amounts so you can budget with confidence.
04
Cutoff-Aware Credit Cards
Track any card with custom cutoff dates. Auto-calculated statement and due dates, statement amounts, and minimum payments. Get notified before cutoff and due dates.
05
Earn XP & Level Up
Pay bills on time, maintain streaks, and hit financial milestones to earn XP. Rise through 30 levels and unlock themes, app icons, and badges along the way.
06
Smart Notifications
Customizable reminders 1, 2, 3, 5, or 7 days before due dates. Pre-cutoff alerts unique to BillWise, due date reminders with amounts, and overdue alerts so nothing slips.
What's new
Version 1.3.0
Released on the App Store
BillWise 1.3 — Beyond Bills
Your biggest update yet. BillWise now does more than remind you about bills — it shows you what's actually yours to spend.
SAFE TO SPEND
• Add your income and BillWise subtracts everything you owe this month — bills, cards, installments and subscriptions — so you see exactly what's safe to spend.
RUNWAY TO PAYDAY
• A 30-day projection of your balance, day by day. BillWise lays every upcoming bill, subscription and payday on a timeline and tells you whether you'll run short — and when.
TRACK YOUR SUBSCRIPTIONS
• Add Netflix, Spotify, iCloud and the rest in one place. See your total monthly burn, a countdown to every renewal, and a flag on anything still in a free trial.
A DASHBOARD THAT GREETS YOU
• A fresh, welcoming home screen — even before you add your first bill — so you always know where to start.
ALSO NEW SINCE YOUR LAST UPDATE
• Spending Insights: a new tab with monthly trends and category breakdowns, built from the payments you log.
• Mark as Paid from a notification — log the payment, earn XP and clear reminders without opening the app.
• Hide Amounts everywhere, with a one-tap eye button on every screen.
• Face ID / Touch ID App Lock to keep your bills private.
• Now in English, Arabic, Spanish and German.
• Home & Lock Screen widgets, plus photo/PDF statement attachments.
Thank you for the feedback that shaped this release. As always, your data stays on your device.
Who it's for
Built for real workflows.
Juggling multiple credit cards
Track different cutoff dates, statement dates, and due dates across all your cards in one place with pre-cutoff alerts.
Managing installment plans
See how many months are left on each plan, track progress visually, and know exactly when cash flow improves.
Budgeting monthly fixed expenses
Use payment forecasting to see your total obligations for any future month with confirmed vs estimated breakdowns.
Pricing
Straight from the App Store.
Live prices synced from the BillWise App Store listing.
BillWise Annual subscription
BillWise Premium
$14.99 per year
Auto-renewing subscription
BillWise Premium Monthly
BillWise Premium
$1.99 per month
Auto-renewing subscription
BillWise Pro Annual (Welcome Offer)
BillWise Premium
$14.99 per year
Auto-renewing subscription
Prices shown from the US App Store. Local pricing may vary.
Guides & resources
BillWise guides for iPhone.
Practical reads that answer common search questions — each links back to the app.
Yes. BillWise tracks credit cards, utility bills, and installment plans with cutoff-aware billing cycles, payment forecasting, and smart notifications.
What makes BillWise different from other bill trackers?
BillWise understands your full billing cycle — from cutoff to statement to payment. It also includes payment forecasting and gamification with XP, levels, and badges.
Does BillWise work offline?
Yes. BillWise works 100% offline. No account, no sign-up, no cloud required. Your data stays on your device unless you enable iCloud Sync.
Is my financial data safe?
BillWise does not collect, store, or sell your personal or financial data. No ads, no tracking, no account required. Your data lives on your device and only in your iCloud if you choose.
