ChronoPay vs TillNext

Stop reacting to bills. Start mastering them. This isn’t just another bill tracker. It’s a smarter way to plan, predict, and stay ahead. With powerful forecasting, intelligent payment timing, and a real-time Bill Stress Score, you always know exactly where you stand. No surprises. No scrambling. No late fees. SMART BILL PLANNING WITH PROCESSING TIME Most apps assume payments happen instantly. Real life doesn’t. Add a custom processing time to any bill and guarantee your payment arrives exactly when it needs to. Perfect for slow payers, mailed payments, or services that take days to process. Plan ahead with confidence and never miss a due date again. YOUR BILL STRESS SCORE One quick glance tells you everything. The Bill Stress Score instantly evaluates your current bill situation and upcoming income. Know whether you’re comfortably covered or if action is needed. No spreadsheets. No guesswork. Just clarity. 90 DAY FORECASTING See what’s coming before it happens. Track income, upcoming bills, and projected balances across the next 90 days. Watch your balance trend evolve and make smarter decisions with real financial visibility. SHARED HOUSEHOLD Money is easier when it’s shared. Invite your partner and manage expenses together in real time. Add bills, update payments, and stay aligned without endless messages or confusion. SUBSCRIPTIONS, ORGANIZED Streaming services. Memberships. Recurring charges. All subscriptions live in their own dedicated space so you can review, edit, and manage them anytime. See totals instantly and stay in control of recurring spending. CUSTOM BILL ICONS Make your finances visual. Upload custom icons for bills and subscriptions to personalize your dashboard and make navigation faster and more intuitive. SMART NOTIFICATIONS Only get notified about what matters to you. Choose exactly what you want alerts for and what you don’t. Upcoming bills, due soon reminders, income alerts, and more. Powerful and customizable. PRIVACY FIRST. ALWAYS. Your financial data belongs to you. • No third-party servers • No selling data • No tracking your finances • No accounts required All syncing and backups are powered exclusively by Apple CloudKit and iCloud. Your information stays securely within Apple’s ecosystem and under your control. Designed for simplicity. Built for clarity. Powered by privacy. Download today and take control of your financial flow! Terms of Use: https://steinmetzlabs.com/apps/chronopay/terms.html Privacy Policy: https://steinmetzlabs.com/apps/chronopay/privacy.html

TillNext: Paycheck Planner is a simple paycheck planning app for people who want to know what is coming in, what needs to go out, and what is left before the next payday. Set up recurring income, recurring bills, and one-time expenses. TillNext turns those details into a practical month view so you can keep track of upcoming items, mark bills as pending or paid, review previous occurrences of recurring items, and see how the month changes as real life happens. Home starts with safe cash to spend, a Can I buy this? check, and cashflow totals to compare against your bank. Month bank balances are explicit, so a new month starts clean unless you enter or match the bank balance for that month. Card tools live in their own optional tab, and Month shows the rest of the selected month day by day. The Recurring tab also lets you move between months, so future-starting recurring bills can be reviewed before they affect the current month. Recurring expense rows show the selected month's occurrence days beside their cadence, and entry editors keep amount, name, dates, frequency, and end dates clear and easy to adjust. Home Screen widgets keep the Till Next amount visible outside the app. Small and medium widgets include quick-add buttons for one-time income and expenses, and the large widget shows the next few Home items. TillNext is local-first and intentionally simple. There is no account to create, no external connectors, no Google integrations, no ads, and no analytics tracking. Your planning details stay on your device unless you choose to export them. Features: - Monthly paycheck and expense planning - Recurring income and recurring bill schedules - Month-aware recurring schedule editing - Recurring expense occurrence days in the selected month - Past occurrence history for recurring items - Explicit month bank balance matching without pulling prior-month leftovers forward automatically - Centered amount entry and clearer tappable date controls - One-time income and expense entries - Safe cash, card payback, and rest-of-month cashflow checks - Small, medium, and large Home Screen widgets - Widget quick-add buttons for one-time income and expenses - Pending, paid, skipped, and received status tracking - CSV export from Settings, including Home cash, card payback, and day-by-day cash detail rows - Local reset from Settings - 30-day full-editing trial - One-time lifetime unlock through the App Store TillNext is for personal planning only. It is not financial, tax, legal, investment, credit, or banking advice. Always review your real accounts before making spending or payment decisions.