# BillWise: Bill Payment Tracker — Bills, Subscriptions & Budget > Bills, Subscriptions & Budget (iPhone/iPad app by Rene Fandida.) - Source: https://appshunter.io/ios/app/billwise-bill-payment-tracker/id6761624748 (this page in markdown: same URL + `.md`) - Developer: [Rene Fandida](https://appshunter.io/developer/1884296483) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 19 MB - Languages: American English, Arabic, German (Germany), European Spanish - Released: 2026-04-08 - Data updated: 2026-08-19 - User reviews in markdown: https://appshunter.io/ios/app/billwise-bill-payment-tracker/id6761624748/reviews.md ## What is BillWise? # BillWise BillWise helps you track bills, credit cards, and installment payments in one simple place — so you never miss a cutoff date, statement date, or due date again. Unlike typical bill trackers, BillWise understands the full billing cycle and helps you plan ahead with payment forecasts, smart reminders, and offline-first privacy. --- ## Why BillWise stands out - Track the full billing cycle: cutoff, statement, and due date - Forecast next month’s fixed payments before bills arrive - Earn XP, build streaks, and level up as you stay on time - Keep your data private with offline-first tracking --- ## Track everything in one app ### Credit cards - Custom cutoff dates per card - Auto-calculated statement and due dates - Statement amounts and minimum payments - Pre-cutoff and due date reminders - Card expiry tracking with 30/7/same-day alerts - Annual fee tracking with automatic reminders - Credit utilization warnings above 80% - Track cashback, points, or miles per card - Tag by network (Visa, Mastercard, AMEX, JCB & more) - Custom card colors for quick visual identification ### Utility bills - Electricity, water, internet, gas, phone & more - Billing cycles and due dates per bill - Average amounts for more accurate forecasting - Never miss a utility payment again ### Installment plans - Track zero-interest and regular installments - See exactly how many months are left - Visual progress bar for your payoff journey - Confetti celebration when you finish a plan --- ## Smart dashboard & forecast ### Smart dashboard - All upcoming bills in a single timeline view - Color-coded by type and urgency - Overdue bills flagged immediately - Cards expiring soon shown with a countdown - Your level and streak visible at a glance ### Forecast view - Total monthly expenses for any future month - Confidence indicators (confirmed vs. estimated) - Plan your budget weeks in advance - See when installments end and cash flow improves --- ## History, trends & smart alerts ### Payment history & trends - Visual bar chart of payments over time - Full and partial payment breakdown - Spot spending trends quickly ### Smart notifications - Customizable reminders: 1, 2, 3, 5, or 7 days before - Pre-cutoff alerts (unique to BillWise) - Due date reminders with amounts - Overdue alerts so nothing slips - Card expiry warnings (30 days, 7 days, and on the day) - Credit utilization alerts above 80% - Annual fee reminders 30 days before they post --- ## Gamification & rewards - Earn XP for every bill paid on time - Build daily and monthly payment streaks - Collect 30+ achievement badges - Unlock themes like Midnight, Ocean Breeze, Emerald - Unlock alternate app icons as you level up - Premium: 2x XP rate, streak shields, exclusive badges --- ## Privacy first - No account required - No ads, no tracking - Your data stays on your device - Optional iCloud sync if you choose --- ## BillWise Premium Free plan includes up to 5 bills with full gamification. Upgrade to BillWise Premium for: - Unlimited bills - Home Screen & Lock Screen widgets - iCloud sync across all your devices - 12‑month payment history - Export to CSV or PDF - 2x XP earning rate - Streak shields (protect your streak) - Premium badges, themes & app icons - Priority support --- Download BillWise today and turn your bills into a game you can win. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://culi.app/apps/billwise/privacy-policy/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly subscription | $1.99 | per month | | Annual subscription | $14.99 | per year | | BillWise Pro — Annual | $14.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime access | $14.99 | one-time | ## Version history (last 5 releases) ### 1.4.0 — 2026-08-15 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. ### 1.3.1 — 2026-07-23 BillWise 1.3.1 — 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 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. ### 1.3.0 — 2026-07-01 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. ### 1.2.7 — 2026-06-15 BillWise 1.2.7 — Cleaner, Clearer, More Accurate PAID MEANS PAID • Mark a credit card or utility bill as paid and it updates right away — the amount clears from your dashboard instantly, so what's still due is always clear • Works whether you pay inside the app or straight from a notification DUE DATES THAT MATCH YOUR STATEMENT • Credit card due dates now land exactly on the due day you set, every month — no more off-by-a-day drift in shorter months • Your forecast lines up with the corrected dates too EVERY BILL AT A GLANCE • Your dashboard now lists all of your upcoming bills inline — no more tapping "See All" to find one Thank you for the feedback that shaped this update. As always, your data never leaves your device. ### 1.2.6 — 2026-06-11 BillWise 1.2.6 — Know Where Your Money Goes SPENDING INSIGHTS (NEW TAB) • See your monthly spending as a beautiful trend chart, built from the payments you log • Break it down by category — credit cards, utilities, installments & purchases • Compare this month to last month at a glance • Watch your progress against this month's forecast as you pay bills off • Premium unlocks 6-month and 1-year views of your history MARK AS PAID FROM NOTIFICATIONS • Bill due? Press the reminder and tap "Mark as Paid" — that's it • Your payment is logged, XP and streaks are awarded, and remaining reminders for that bill are cleared • Installment progress updates automatically — all without opening the app • You'll get a confirmation the moment it's done HIDE AMOUNTS, EVERYWHERE • Hide Amounts now covers Forecast and Insights too — every amount masked across the entire app • New eye button right in the Forecast and Insights toolbars — toggle privacy with one tap • Check your bills on the train, in a meeting, anywhere — your numbers stay yours More features, same privacy. Your data never leaves your device. ## Apps similar to BillWise | App | Rating | Price | Category | | --- | --- | --- | --- | | [ExpenseMax: Budget Tracker](https://appshunter.io/ios/app/expensemax-budget-tracker/id6779353002) | — | Free | Finance | | [FutureVault: Savings Lockbox](https://appshunter.io/ios/app/futurevault-savings-lockbox/id6765717529) | — | Free | Finance | | [DataCred](https://appshunter.io/ios/app/datacred/id6784831520) | — | Free | Finance | | [PrestamosLite](https://appshunter.io/ios/app/prestamoslite/id6764112768) | — | Free | Finance | | [Spent. — Spending Tracker](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615) | — | Free | Finance | | [Simplit - Your Expense Manager](https://appshunter.io/ios/app/simplit-your-expense-manager/id6774230523) | — | Free | Finance | ## More apps by Rene Fandida - [DailyPulse: Habit Tracker](https://appshunter.io/ios/app/dailypulse-habit-tracker/id6760402498) - [MeetStack: Business Card Scan](https://appshunter.io/ios/app/meetstack-business-card-scan/id6760586563) - [Tiny Word Sprint](https://appshunter.io/ios/app/tiny-word-sprint/id6760765519) - [DayBox: Time Blocking Planner](https://appshunter.io/ios/app/daybox-time-blocking-planner/id6761196431) - [Loopd: Family Chore & Task App](https://appshunter.io/ios/app/loopd-family-chore-and-task-app/id6761421676) All apps by Rene Fandida: https://appshunter.io/developer/1884296483 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-19.*