BillStack vs Broke or Not

BillStack — Bill Tracker & Reminder Never miss a bill payment again. BillStack is a simple, private bill tracker that helps you manage all your monthly bills, recurring payments, and due dates in one place — no account required, no cloud sync, no data sharing. TRACK EVERY BILL • Add one-off and recurring bills — monthly, bi-monthly, quarterly, or annual • Set statement dates, scheduled payment dates, and payment confirmation dates • Bills automatically appear each month based on your recurring schedule STAY ON TOP OF DUE DATES • Get notified before bills are due — customizable reminder days and timing • Quiet hours support so reminders only fire when you want them • Due today, upcoming, and overdue indicators at a glance UNDERSTAND YOUR SPENDING • 6-month spending trend chart • Category breakdowns — credit cards, utilities, subscriptions, loans, insurance, transport • Monthly totals and paid vs unpaid summary YOUR DATA STAYS ON YOUR DEVICE • No account or sign-in required • All data stored locally — never sent to any server • Export and import backup files to keep your data safe • Biometric lock (Face ID / Touch ID / fingerprint) to protect your bills BUILT FOR REAL LIFE • Month-by-month navigation — browse past and future months • Recurring bills generate automatically — edit any month individually • Mark bills as paid with one tap • Dark mode support follows your system setting

Broke or Not is a free, calendar-based budget planner that answers the question your bank balance can't. Not "how much do I have right now", but "after everything else has gone out, can I still afford this on the 14th of next month?" HOW IT WORKS 1. Set your starting balance Tell Broke or Not what you have today. That single figure is all it needs to begin projecting forward. 2. Add your income and expenses Enter one-off items and recurring ones — weekly, monthly or yearly. Salary, rent, subscriptions, loan instalments, groceries, school fees, a holiday you're saving for. Each entry gets a category, so you can see where the money goes. 3. Read the balance on any future date Every day in the calendar carries the balance you're projected to have on it — months or even years ahead. Tap any day to see exactly which entries produced that number. WHAT YOU GET • A running balance projected onto every future day • One-off and recurring entries — weekly, monthly or yearly • A category on every entry, with per-category totals for the month • Drill into any category to see the individual entries behind the total • Month totals for money in, money out, and what is actually left • Export your entries to Excel or PDF • Sign in with an email address WHO IT IS FOR Anyone paid on a schedule who has regular commitments to cover between paydays — rent or a mortgage, loan instalments, school fees, subscriptions. It is built for individuals and households planning their own money, not for businesses or accountants. FREE Broke or Not is free to use. There is no charge, no trial period that expires, and no payment card required to sign up. YOUR DATA Your entries are yours. Broke or Not does not sell your data and does not use it for third-party advertising. You can permanently erase your account and everything in it at any time from Settings, using Delete account. Privacy Policy: https://brokeornot.com/privacy/ Terms of Use: https://brokeornot.com/terms/