Auto vs BYOSW

Have you ever experienced this trouble? Credit cards, mortgages, car loans, water and electricity bills… The auto-pay times for various expenses are different every month, always making you feel dizzy? Have you also worried about not depositing sufficient funds before the auto-pay date, leading to late fees or affecting your credit rating? Stop letting these payment hassles affect your life! Auto-Pay Keeper is a simple, convenient, and powerful expense auto-pay record App, designed to assist you in mastering all credit cards, loans, and various expenses that are automatically paid, facing monthly automatic payments with peace of mind. [Core Features] Auto-pay deadline reminder: Precise time mastery, refuse overdue fines Advance reminder: We will send thoughtful notifications before the expense’s auto-pay date, ensuring you have ample time to confirm the deposit balance. Complete list: View all upcoming auto-pay deadlines at a glance, saying goodbye to deposit anxiety. Deposit status confirmation: One-tap marking, say goodbye to deposit worries Peace-of-mind management: For upcoming auto-pay expenses, you can mark the "Deposited" status in the App with one tap at any time. Undeposited reminder: The App will automatically track expenses with undeposited amounts and remind you again before the auto-pay date, making you 100% reassured. Monthly payment tracking and analysis: Graphical mastery, making financial management easier Intuitive charts: We will make your monthly auto-pay expenses into intuitive and easy-to-understand chart analysis. Payment trends: Clearly understand monthly payment trends, helping you optimize financial management. [Premium Version Extra Features] Customized auto-pay deadline reminders, fitting your distinguished identity.

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers. 【Sound familiar?】 • Eight friends took turns paying on a trip, and now nobody can untangle the currencies. • Roommates split utilities, but the bill is different every month and someone always feels shortchanged. • Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair. • A group gift where everyone chipped in different amounts. • You spotted a friend a cab fare three months ago and forgot. byosw handles all of these. 【How it fits real life】 • Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip. • Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap. • Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly. • Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe. • Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency. 【Why byosw】 byosw covers every step of splitting expenses in one place: • Four split methods: equal, exact, percentage, shares • Live multi-currency conversion • Smart settlement (minimum transfers to clear all debts) • Real-time push notifications, activity history, friend system • Three sign-in methods, three languages, light/dark themes Settle the money, then go enjoy each other's company. 【Privacy】 byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers. Full privacy policy: https://byosw.fcreps.com/privacy/ 【Account Deletion】 Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately. 【Support】 Questions or feedback: support@fcreps.com