BillWise vs DebtNavigator

# 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/

Take control of your debt with a plan you can understand. Debt Navigator brings your debts, bills, savings, and monthly income together in one place. See what you owe, track your progress, organize upcoming payments, and explore how additional contributions could affect your estimated debt-free date. KEY FEATURES • Track credit cards and loans Add balances, APRs, minimum payments, and monthly due dates. • Understand your progress See your total remaining debt, estimated monthly interest, completed payments, and overall payoff progress. • Plan around promotional APRs Record promotional interest rates and expiration dates so your payoff plan can account for upcoming rate changes. • Track credit card payment plans Add multiple fixed-fee payment plans to a credit card, including their remaining balances, monthly principal, and fees. • Explore your payoff timeline View estimated payoff dates for each debt and follow a plan that prioritizes higher-interest balances while keeping minimum payments covered. • Try additional payments before committing Use the interactive what-if slider to see where extra money could go and how it might change your estimated payoff calendar. These previews do not modify your saved balances. • Organize monthly bills Track recurring bills, due dates, monthly totals, and payment status. • Build savings while paying down debt Include savings accounts and investments in your monthly plan and celebrate positive progress alongside debt reduction. • Keep your financial information private The current version stores the financial information you enter locally on your device. Debt Navigator does not require a bank connection or Debt Navigator account. DEBT NAVIGATOR PREMIUM Unlock unlimited planning, payoff projections, promotional APR analysis, credit card payment plans, and the extra-payment hypothesizer. Debt Navigator provides educational estimates and planning tools. It does not provide financial, legal, tax, or investment advice. Calculations may differ from lender statements because of compounding methods, fees, transactions, rate changes, and payment timing. Always confirm payment amounts and due dates with your lender.