ChronoPay vs SettledBills

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

Know what's due, and what covers it — before the day it's due. SettledBills never connects to your bank. You add your bills once — rent, phone, Netflix, the gym — and it quietly keeps track from there. Offline, private, and out of your way. WHAT YOU GET • This month, at a glance — every bill sorted by due date, account or category. One swipe marks it paid • Know what pays for what — tag each bill with the account or card it comes from, so you're never guessing • Payday view (optional) — see what's due before your next payday, and what can wait until after • One reminder that matters — a single daily notice listing what's due, timed to - the day it's due, a day before, or three days before, your choice • Your subscriptions, covered too — add Netflix, Spotify, or anything recurring; SettledBills recognizes the common ones automatically and totals what subscriptions cost you a year, right inside Insights, no separate subscription app needed • Home Screen widget — check what's still unpaid without opening the app • Fixed or variable — some bills are the same every month, some aren't; SettledBills handles both, and asks the real amount when you mark a variable one paid • Quiet insights — an honest look at what you spend monthly and yearly, by category and by account, with charts that don't need a legend to understand • Card on file — track services like Uber or food delivery where your card is saved but there's no scheduled bill to pay • Smart search — find any bill, category, or card by typing a few letters, all in the same place • Your data, your file, on every plan — export everything as CSV or a full backup, free or Pro, anytime; we don't hold your own data behind a paywall WHO IT'S FOR Anyone who's been caught by a bill they forgot was due, or moved money around and guessed wrong account its paid from. If you'd rather not hand your bank login to another app just to see what you owe, this is built for you. PRIVATE BY DEFAULT No sign-in. No server holding your bills. No ads. No tracking — not "we don't sell your data," but we never collect it in the first place. FREE, HONESTLY Your first 10 bills are free, forever — not a trial, not a countdown — and that covers most people outright. Need more? SettledBills Pro unlocks unlimited bills and can be shared with your family through Apple Family Sharing. Cancel anytime — you're never locked out, you just drop back to your free 10, forever. SUBSCRIPTION & PRICING TERMS SettledBills Pro is an auto-renewing subscription: USD$3.99/month or USD$39.99/year. Payment is charged to your Apple ID account at confirmation of purchase, and renews automatically within 24 hours of the end of each period unless cancelled at least 24 hours before renewal. Manage or cancel anytime in iPhone Settings → your name → Subscriptions. Prices may vary by region. Terms of Use: https://settledbills.com/terms Privacy Policy: https://settledbills.com/privacy Support: settledbills.support@icloud.com If SettledBills saves you one overdraft fee, it's already paid for itself.