ToSpend vs BillsPaid

ToSpend gives you a clear overview of the expenses that actually matter, so you always know what is coming up and what you have already paid. FEATURES: • Recurring expenses – Track all your monthly and yearly costs in one place. • One-time expenses – Plan ahead for larger purchases. • Countdown to due date – See how many days are left until the next expense is due. • Paid archive – Browse a full history of past expenses, grouped by month and year. • Someday list – Save potential purchases without setting a date. • Categories – Organize expenses by category to keep things structured. • Reminders – Get notified before expenses are due. • No login – Download ToSpend and just get started. It can be this simple. • iCloud – All your data stays on your device and is backed up in your iCloud. - - - - Privacy Policy (https://www.tospend-app.com/app/data-privacy)  Terms Of Use (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

BillsPaid takes the stress and guesswork out of paying monthly bills. Instead of tracking coffee, groceries, and every card swipe, BillsPaid focuses on one job: knowing what your bills need, setting that money aside, and making sure every bill gets paid. With the recommended Bills Account method, you keep bill money in a dedicated account and nothing else. Each month, BillsPaid calculates exactly how much to transfer. Pay each bill from that account, record it, and watch the balance reconcile to $0. No spreadsheets. No bank connections. No bills getting lost among everyday spending. HOW IT WORKS 1. Choose a dedicated account for your bill money. 2. Add your recurring bills once. BillsPaid automatically places them into each applicable month. 3. Review the month’s exact amounts and transfer what BillsPaid recommends. 4. Pay bills from that account and mark them paid as they clear. 5. Finish the month with every bill paid and the account reconciled. You can fund the account with one monthly transfer or several dated transfers that match your pay schedule. Carryover from the previous month is included automatically, so BillsPaid recommends only what is still needed. PREFER TO PAY FROM YOUR MAIN ACCOUNT? Choose Bill Tracking during setup. You’ll get the same focused monthly checklist, due dates, payment progress, history, and dashboard—without transfer calculations or account reconciliation. Switch between Bills Account and Bill Tracking anytime in Settings. BUILT FOR REAL BILLS • Recurring bills automatically appear in the appropriate month. • Fixed and variable amounts are easy to review and adjust. • Weekly bills are calculated from their actual occurrence dates. • Auto Pay bills can be marked paid automatically on their scheduled dates. • Quarterly, twice-yearly, and annual bills appear before they are due. • Partial payments remain open until the full amount has been paid. • Each bill maintains useful payment history, averages, ranges, and recent amounts. • Monthly summaries show spending by bill and category. PRIVATE BY DESIGN No BillsPaid account. No bank connection. No ads. No analytics. No behavioral tracking. Your information stays on your devices and, when iCloud sync is enabled, in your private iCloud database. BillsPaid does not operate a server that receives or stores your bill data. ONE PURCHASE, NOT ANOTHER SUBSCRIPTION BillsPaid includes up to five active bills for free, with the complete workflow available to try. A single, optional purchase unlocks unlimited bills forever. The purchase covers BillsPaid on iPhone and Mac and supports Family Sharing. Each person continues using their own private data. A bill-tracking app shouldn’t become another bill. BillsPaid is an organizational tool for tracking bills and payments. It is not a bank and does not provide financial advice.