BillWise: Bill Payment TrackerThe smarter way to manage every bill.
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.
Bill trackerCredit card cutoffPayment reminderInstallmentsForecastingGamification
v2.0.0Latest versionReleased October 5, 2026
FreeFree to downloadBillWise Premium Monthly from $4.99 per month
Finance
Built for people who juggle multiple bills
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.
Which card earns the most on this purchase, what each card will report at cutoff, and how close you are to a waived annual fee. Bills on a card land on its due date.
Key features
What BillWise: Bill Payment Tracker does
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.
More screens
BillWise: Bill Payment Tracker screenshots
What's new
Version 2.0.0
Released on the App Store
BillWise 2.0 — smarter credit cards
• Best card to swipe now ranks by rewards too: add category rates (like 5% on groceries, with monthly caps) and see what a purchase earns next to how long it stays interest-free
• Utilization Guard: see what each card will report at cutoff — and exactly what to pay before then to stay under your target
• Annual fee waiver tracker: follow your spend toward getting a card's fee waived, with reminders at 60 and 30 days
• Link subscriptions and utilities to the card they're charged to: your Forecast shows them on the card's due date, without counting a statement twice
• Installments added part-way through now show the right completion date, and the Forecast counts only the payments you still owe
• Paying tax in instalments? Installments now have a type — including Tax, for plans like GIRO
• New bill types: rent, condo dues, insurance and remittances, under Bills & Utilities
• "First Payment Date" replaces "Start Date" on installments
Category rewards, Utilization Guard and the fee waiver tracker are part of Premium.
Your data never leaves your device.
App Store reviews
What reviewers say on the App Store.
Best Reminder for Credit card bills
"Great UI, Very useful, highly recommended, great support from Developer..Purchased lifetime"
Who it's for
When people reach for BillWise: Bill Payment Tracker
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: Bill Payment Tracker App Store listing.
BillWise Annual subscription
BillWise Premium
$29.99 per year
Auto-renewing subscription
BillWise Premium Monthly
BillWise Premium
$4.99 per month
Auto-renewing subscription
BillWise Pro Annual (Welcome Offer)
BillWise Premium
$29.99 per year
Auto-renewing subscription
Prices shown from the US App Store. Local pricing may vary.
Guides & resources
BillWise: Bill Payment Tracker guides
Step-by-step answers to the questions people ask most about BillWise: Bill Payment Tracker.
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.
