BillStack vs Lefto

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

Lefto is a simple payday-based budgeting app built around one question: how much can I safely spend? Instead of complicated budgets and endless categories, Lefto helps you understand what your money actually looks like between paydays. Set your payday, add your income and upcoming bills, and Lefto calculates a safe amount you can spend today and this week. KNOW WHAT'S SAFE TO SPEND See a clear daily and weekly spending amount based on your available money, upcoming plans and time until payday. CHECK BEFORE YOU BUY Thinking about buying something? Enter the amount into “Can I buy this?” and see how the purchase would affect your spending room before you commit. PLAN AHEAD Add rent, bills, subscriptions and other upcoming payments. Lefto helps protect money for planned expenses so it isn't mistaken for money that's free to spend. UNDERSTAND YOUR SPENDING Track expenses and income, see spending by category and follow your progress throughout each payday cycle. LEARN FROM EVERY PAYDAY Payday history and insights help you understand how your spending changes from one cycle to the next. Lefto is designed to make everyday money decisions simpler — without turning budgeting into another job. Know your money. Keep your freedom.