DueDock vs BillVault

The Paycheck Timing Puzzle: Your bills are scattered across the month on dates you can’t control. Meanwhile, your paychecks arrive on a completely separate schedule. Trying to align these two mis-matched timelines is exhausting—and it’s exactly why people fall behind. A Better Way Forward: DueDock is not another tedious budgeting app that forces you to log every coffee transaction. Instead, it is a privacy-first, forward-looking expense calculator designed specifically to solve the paycheck timing puzzle. Whether you earn a rigid bi-weekly salary or rely on unpredictable freelance income, DueDock seamlessly compares your incoming pay against your scattered bill due dates. It instantly calculates the exact cash-on-hand you need to stay afloat between pay periods, ensuring you never get caught off guard by a surprise timing constraint again. THE DUEDOCK DIFFERENCE • Solve the Timing Puzzle: Stop stressing about what gets paid when. DueDock aligns your specific pay periods with all upcoming obligations so you know exactly where your next dollar must go. • The Coverage Check: Natively cross-reference your upcoming pay schedules against your incoming bills. DueDock automatically calculates if you are covered, and precisely how much cash you need to set aside. • 100％ Local Control & Privacy: Your financial life belongs to you alone. No server syncing, no bank linking, no data selling, and absolutely no ads. Your data never leaves your device. All network features—like optional update checks—are OFF by default and require your explicit opt-in. POWERFUL DEBT & INSTALLMENT TRACKING • Debt Mode: Track credit cards and personal loans effortlessly. DueDock prioritizes your minimum payments while seamlessly tracking your accelerated payoff surpluses. • Smart Installments: Break massive bills into smaller, paycheck-friendly chunks. The app automatically calculates the exact amount you need to save per pay period to cover a bill safely by its due date. • Payday Safety Net: Missing the math? DueDock automatically warns you if your installment plan falls short and instantly recalibrates your required payments natively with the tap of a button. SYNC & SHARE WITH A PARTNER • iCloud Sync: Keep your financial picture consistent across all your Apple devices. Enable optional iCloud sync and your bills, income, and coverage data stay up to date everywhere—automatically. • Partner Collaboration: Managing finances as a couple or household? Invite a partner to share and edit real-time copy of your bills and coverage. Both of you stay on the same page without sharing passwords or accounts. DUEDOCK PREMIUM  Use the core features of DueDock completely free, forever. Ready to level up? Upgrade to DueDock Premium to unlock unlimited bills, advanced debt tracking modes, deep customization, and complete data export capabilities. Experience the magic over a full billing cycle with a 1-month free trial! Take absolute control of your cash flow. Break the paycheck-to-paycheck cycle and find your financial peace of mind today. Terms of Use: https://mashfield.github.io/duedock-privacy/terms Privacy Policy: https://mashfield.github.io/duedock-privacy/

Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html