BillWise vs PayShift

# 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/

PayShift turns your work schedule into your actual take-home pay — automatically. Add a shift with a start time, end time and break, and PayShift instantly works out your gross and net pay, including tax. No spreadsheets, no manual math. SHIFTS & PAY • Add shifts in seconds, with typeable break minutes • Gross and net pay calculated instantly, including tax/contributions • Evening, night, weekend and holiday surcharges, suggested automatically based on the date and time • Track tips per shift — they count toward your net pay, not your tax • Multiple jobs, each with its own rate, tax percentage and surcharges (Pro) ON YOUR WRIST AND HOME SCREEN • Apple Watch app — start, pause and stop a shift right from your wrist • Home Screen widget — see this period's net pay at a glance, no need to open the app • Live Activity on the Lock Screen and Dynamic Island — watch your pay grow while your shift is running SCAN A SCHEDULE PHOTO (Pro) Take a photo of your printed or digital work schedule and PayShift reads out the dates, times — and even the break, if your schedule shows worked hours separately. Review and adjust before importing. Everything is processed on your device; your photo is never uploaded anywhere. SEE THE BIGGER PICTURE • Weekly, 4-weekly or monthly pay periods, aligned to your actual payday • A full year overview with monthly breakdowns and insights • Export any period as a CSV file for your own records STAY IN SYNC • Two-way calendar sync: export shifts to your calendar, or import shifts from any calendar as a starting point (Pro) • Back up and restore your data as a file, any time — for free • iCloud sync across your devices (Pro) BUILT TO RESPECT YOUR DATA PayShift doesn't require an account, doesn't track you, and doesn't run ads. Your shifts and settings stay on your device unless you choose to sync them via your own iCloud account. Available in English, Dutch, German, Spanish, French, Italian, Portuguese and Polish.