BillWise vs Simplit

# BillWise BillWise helps you track bills, credit cards, and installment payments in one simple place — so you never miss a cutoff date, statement date, or due date again. Unlike typical bill trackers, BillWise understands the full billing cycle and helps you plan ahead with payment forecasts, smart reminders, and offline-first privacy. --- ## Why BillWise stands out - Track the full billing cycle: cutoff, statement, and due date - Forecast next month’s fixed payments before bills arrive - Earn XP, build streaks, and level up as you stay on time - Keep your data private with offline-first tracking --- ## Track everything in one app ### Credit cards - Custom cutoff dates per card - Auto-calculated statement and due dates - Statement amounts and minimum payments - Pre-cutoff and due date reminders - Card expiry tracking with 30/7/same-day alerts - Annual fee tracking with automatic reminders - Credit utilization warnings above 80% - Track cashback, points, or miles per card - Tag by network (Visa, Mastercard, AMEX, JCB & more) - Custom card colors for quick visual identification ### Utility bills - Electricity, water, internet, gas, phone & more - Billing cycles and due dates per bill - Average amounts for more accurate forecasting - Never miss a utility payment again ### Installment plans - Track zero-interest and regular installments - See exactly how many months are left - Visual progress bar for your payoff journey - Confetti celebration when you finish a plan --- ## Smart dashboard & forecast ### Smart dashboard - All upcoming bills in a single timeline view - Color-coded by type and urgency - Overdue bills flagged immediately - Cards expiring soon shown with a countdown - Your level and streak visible at a glance ### Forecast view - Total monthly expenses for any future month - Confidence indicators (confirmed vs. estimated) - Plan your budget weeks in advance - See when installments end and cash flow improves --- ## History, trends & smart alerts ### Payment history & trends - Visual bar chart of payments over time - Full and partial payment breakdown - Spot spending trends quickly ### Smart notifications - Customizable reminders: 1, 2, 3, 5, or 7 days before - Pre-cutoff alerts (unique to BillWise) - Due date reminders with amounts - Overdue alerts so nothing slips - Card expiry warnings (30 days, 7 days, and on the day) - Credit utilization alerts above 80% - Annual fee reminders 30 days before they post --- ## Gamification & rewards - Earn XP for every bill paid on time - Build daily and monthly payment streaks - Collect 30+ achievement badges - Unlock themes like Midnight, Ocean Breeze, Emerald - Unlock alternate app icons as you level up - Premium: 2x XP rate, streak shields, exclusive badges --- ## Privacy first - No account required - No ads, no tracking - Your data stays on your device - Optional iCloud sync if you choose --- ## BillWise Premium Free plan includes up to 5 bills with full gamification. Upgrade to BillWise Premium for: - Unlimited bills - Home Screen & Lock Screen widgets - iCloud sync across all your devices - 12‑month payment history - Export to CSV or PDF - 2x XP earning rate - Streak shields (protect your streak) - Premium badges, themes & app icons - Priority support --- Download BillWise today and turn your bills into a game you can win. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://culi.app/apps/billwise/privacy-policy/

Simplit is a calm personal expense manager for everyday spending. Log expenses quickly, mark no-spend days, keep bills in sight, and understand your day, week, and month without feeling buried in numbers. Simplit is designed for daily check-ins: simple enough to use in a few seconds, useful enough to keep your spending patterns visible. What you can do with Simplit: - Track expenses with names, amounts, categories, and dates - Mark no-spend days and build a daily check-in streak - View spending insights by day, week, and month - Create reminders for bills and planned payments - Track recurring subscriptions, EMIs, and other repeat expenses - Ask Simplit Chat to log expenses and explain your spending in plain language - Use widgets and shortcuts for faster entry - Sync privately through your iCloud when available Simplit Chat is built in and runs on your device. On supported iPhones it uses Apple Intelligence; on every other device it falls back to a built-in assistant, so it works without an account and without sending your expenses to any external server. Your data stays on your device and, if enabled, in your private iCloud. Simplit does not sell your data or run third-party ad networks. Premium unlocks unlimited expense logs, unlimited reminders, unlimited recurring items, and full Simplit Chat message sending. Monthly and yearly plans include a 2-week free trial for eligible users. Subscription details: - Simplit Premium Monthly: INR 29 per month - Simplit Premium Yearly: INR 199 per year Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings. Any unused portion of a free trial is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://skhobragade282-bit.github.io/Simplit/privacy.html