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.
NEW: BillWise tells you which card to swipe today for the longest interest-free float. Plus free-trial & renewal alerts, a debt payoff planner, and widget quick-pay.
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: Bill Payment Tracker in action.
Key features
What makes BillWise: Bill Payment Tracker 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 1.4.0
Released on the App Store
BillWise 1.4 — Your Cards, Played Right
BEST CARD TO SWIPE TODAY (NEW)
• BillWise knows every card's cutoff — now it tells you which card gives a purchase made today the longest interest-free float
• See the full ranking: each card's cutoff, pay-by date, and free days
• Charge right after cutoff and hold onto your money for weeks longer
SUBSCRIPTIONS, ALL GROWN UP
• Subscriptions are now a full bill type with their own tab, forecast line, and insights
• Free-trial alerts 2 days before a trial converts to paid — cancel in time
• Renewal reminders 3 days before each charge, so annual fees never ambush you
DEBT PAYOFF PLANNER (PREMIUM)
• Add your card's APR and see what carrying a balance really costs per month
• Simulate avalanche vs snowball and get your debt-free date and payoff order
PAY FROM YOUR HOME SCREEN
• A checkmark button on widgets logs a payment without opening the app
• A Live Activity counts down your most urgent bill on the lock screen and Dynamic Island
ALSO
• Runway alert warns you the day before your balance is projected to dip below zero
• Fixed a Face ID double-prompt when confirming sensitive actions
More features, same privacy. Your data never leaves 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: Bill Payment Tracker 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: Bill Payment Tracker guides for iPhone.
Practical reads that answer common search questions — each links back to the app.
Common questions about BillWise: Bill Payment Tracker.
Is BillWise a bill tracker for iPhone?
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.
