TheBill vs DebtShield

the bill — Master your money before it masters you the bill keeps your entire financial rhythm — paychecks, due dates, budgets and goals — in one delightfully simple app. Designed for the average person juggling rent, utilities, loans and subscriptions, it replaces scattered reminders and mental math with crystal-clear insight and calm confidence. Core Features Tab What it does Dashboard At a glance: available-to-spend balance, countdown to next payday, and a rolling list of bills that fall inside your pay period. One screen, total clarity. Bills Add any recurring or one-off expense in seconds. See the amount, due-in counter, and automatic sorting so the most urgent items stay on top. Budget We crunch your income, upcoming bills and savings goals to show an instant “Safe to Spend” figure — no spreadsheets, no formulas. Income Enter your paycheck amount and frequency (weekly, bi-weekly, monthly, etc.). The app forecasts future paydays and aligns every budget calculation around them. Small Touches That Make a Big Difference • Savings Goals – Set a target (“Pay off credit card”, “Holiday fund”) and watch the progress bar fill as you tuck away leftovers from each paycheck. • Bi-weekly & weekly pay support – Perfect for hourly workers whose bills rarely line up with payday. • Automatic carry-over – Unused budget rolls into the next period so you’re rewarded for coming in under plan. • Upcoming-bill widgets & notifications – Gentle nudges keep you on time without nagging. • iCloud Sync – Your data stays private and securely mirrored across iPhone & iPad; no third-party servers required. • Dark Mode-first design – Looks sharp, saves battery, eases the eyes. • Zero hidden costs – All functionality unlocked from day one; no subscriptions, no paywalls. How It Works 1. Add your paycheck – Tell us how much you bring home and how often. 2. List your bills – Enter due date, amount, and (optionally) recurrence. 3. Watch the math – “Safe to Spend” updates instantly while timelines slide bills into the correct pay period. 4. Hit your goals – Shift leftover cash into savings, watch debt shrink, celebrate progress. Privacy & Security Your numbers never leave your device unless you enable iCloud backup. We don’t connect to your bank or harvest personal data. You stay in control—always. Made for Real Life Whether you’re splitting rent with roommates, tackling student loans, or just tired of overdraft surprises, the bill gives you a calm pulse check on your cash flow—no finance degree required. Give your wallet some breathing room and see what true financial clarity feels like with the bill. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Log debt collection calls, save letter details, and keep your evidence organized. DebtShield is a private journal for consumers who want a clear record of collection activity. Add the date, time, collector, and what was said after each call. Keep notes and photos together, track correspondence, and review potential issues using an FDCPA checklist. With Pro, export an organized PDF for a consumer rights attorney or a CFPB complaint. DebtShield is a manual documentation tool. It does not record call audio, block calls, negotiate debts, or file complaints for you. PRIVATE BY DESIGN - No account or login required. - Records stay on your device unless you enable optional private iCloud sync, which is off by default. - No app-owned backend, analytics, advertising SDKs, or AI processing. - Face ID / Touch ID app lock is included free. START FREE - Track 1 debt and 1 collector. - Keep up to 10 call log entries, with 1 photo per call. - Save 1 letter per debt and up to 3 lifetime third-party contact entries. - Read the 17-item FDCPA checklist and Consumer Rights Guide. - Export a Markdown evidence summary. UPGRADE TO PRO - Unlimited debts, collectors, and call log entries - no 10-call cap. - 7-day call-frequency monitor to review patterns in your logged calls. - Validation and cease-and-desist tracker for request, response, and letter dates. - PDF evidence reports organized for a CFPB complaint or attorney review. - FDCPA checklist tagging and summaries of potential issues by call and collector. - Unlimited third-party contact entries for contacts with family, employers, or others. - Unlimited letter records with photos, certified-mail tracking numbers, and user-entered dates. INFORMATION, NOT LEGAL ADVICE Designed for U.S. consumers documenting debt collection activity. DebtShield is not a law firm and is not affiliated with the CFPB or any government agency. It does not provide legal or financial advice or determine whether a violation occurred. The call-frequency monitor screens logged counts against one CFPB Regulation F rebuttable presumption; it does not model all rules or exceptions. The FDCPA's 30-day validation period generally belongs to the consumer, not the collector. Checklist flags are not confirmed violations or a calculation of damages. A licensed attorney can assess your circumstances. PRO PURCHASE OPTIONS Choose Pro Monthly, an auto-renewable subscription, or Pro Lifetime, a one-time non-consumable purchase with no expiration or recurring charge. Both unlock the same Pro features. Your local price is shown in the app and by the App Store before purchase. Existing annual subscribers retain Pro access while their subscription is active. Payment is charged to your Apple Account. Monthly subscriptions renew automatically unless canceled at least 24 hours before the current period ends; renewal is charged within the final 24 hours. Manage or cancel in Settings > Apple Account > Subscriptions. Buying Lifetime does not automatically cancel an existing subscription. Restore purchases from the Pro purchase screen. SUPPORT captainlongevity@gmail.com Privacy Policy: https://app-legal-pages.vercel.app/debtshield/privacy Terms of Service: https://app-legal-pages.vercel.app/debtshield/terms