this is my budget vs Bilvio

timb gives you one number that actually matters — your True Balance. It's the cash you can freely spend after every budget, bill, and credit card payment is accounted for. No guesswork. ZERO-BASED BUDGETS Every dollar gets a job. Create monthly envelopes, set caps, and allocate funds. Leftover balances sweep forward automatically at month-end so nothing falls through the cracks. SPENDING CALENDAR See exactly where your money went, day by day. Tap any date to drill into transactions, color-coded by category. RECURRING EXPENSES Track bills that repeat — rent, subscriptions, insurance. timb templates them each month and tracks funding progress so you're never caught off guard. CREDIT CARD TRACKING Monitor statement balances, due dates, and payment status across all your cards in one place. BROKERAGE INTEGRATION Connect your Schwab account to see your full financial picture. timb factors your liquidation value into your True Balance so you always know what's real. FAST & OFFLINE-FIRST Transactions save instantly to your device and sync in the background. Use timb on the subway, on a plane — it just works.

Bilvio is a simple bill tracker built to keep you one step ahead. See what's due this month, what's already paid, and what's coming up next month — before it sneaks up on you. Mortgage, credit cards, subscriptions, insurance — add your bills once and always know where you stand. No bank connections. No budgeting. Just your bills, organized.