AlloFi vs Bills Copilot

AlloFi gives you a complete picture of your finances — without linking your bank account. Upload any PDF statement and AlloFi's AI extracts every transaction automatically. Start Free with one checking account, one credit card account, PDF statement imports and group expense splitting. Upgrade to Elite for more accounts and your Financial Health Score. Your data stays in your control. IMPORT STATEMENTS IN SECONDS Upload any bank or credit card statement as a PDF and AlloFi's AI reads it automatically. Every transaction is extracted, categorized, and organized — along with your statement period, starting and ending balances, credit limit, interest charges, and due dates. No manual typing required. BUILT TO BE CUSTOMIZED Your finances aren't generic, so your app shouldn't treat them that way. Tag spending as Core Essential or Fixed Obligation, override merchant categories, build your own category hierarchies, and shape the inputs behind your Financial Health Score so it actually reflects your life — not a one-size-fits-all template. YOUR FINANCIAL HEALTH SCORE — ELITE AlloFi calculates a real Financial Health Score (0–100) from your actual data — not generic advice. It measures four pillars: Cash Flow, Liquidity, Debt Health, and Fixed Obligations. Track your score over time and see exactly which habits are helping or hurting. SPLIT EXPENSES WITH FRIENDS Going in on rent, a trip, or dinner? Create a group, add members, and split any expense by percentage, fixed amount, or item. A live activity feed keeps everyone in sync, and Settle Up lets you log payments through Venmo, Cash App, Zelle, or Apple Cash. NEVER MISS A BILL AlloFi's dashboard shows every upcoming bill and credit card due date in a visual timeline. Recurring subscriptions and fixed expenses are detected automatically. When you import a statement, the due date is pulled directly from the document — nothing to configure. ANALYTICS THAT GO DEEPER Monthly snapshots show where your money went by category, merchant, and trend. See your savings rate, income vs. spending, and month-over-month changes at a glance. Filter by account, date, merchant, or category to drill into exactly what you want to know, with a level of detail built for people who actually want to understand their money. START FREE One checking account, one credit card account, PDF statement imports and expense splitting. No subscription or trial is required. ALLOFI ELITE Manage more accounts and unlock your Financial Health Score and trajectory tracking. Elite is an optional auto-renewing subscription; plans, prices and eligible trial terms are shown before purchase. Cancelling renewal keeps access through the current subscription period. Whether you're paying down debt, building savings, or just trying to understand where your paycheck goes — AlloFi gives you the clarity, control, and depth to actually take charge of your money. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://allofi.app/privacy

Know what's due. Know what's left. Bills Copilot helps you keep track of your bills and plan around payday. Add your bills and, if you want, add when you normally get paid. Bills Copilot will show you what's due before your next payday and what you expect to have left after your bills. Plan around payday See which bills are due before your next payday, how much you expect to get paid, and what you expect to have left afterward. Adding income is optional. You can still use Bills Copilot as a simple bill tracker without it. Pay a bill all at once or a little at a time Record what you actually paid. If you only paid part of a bill, Bills Copilot keeps track of what's still left. Paycheck different this time? You can adjust an upcoming paycheck or record what you actually received without changing what you normally expect to get paid. See what's coming Use the calendar to see your bills and paydays together. Understand where your money went Insights lets you look at your bills by category and compare what you expected to pay with the payments you actually recorded. Stay ahead of due dates Set reminders for your bills and optional payday notifications. No bank connection required Bills Copilot doesn't need access to your bank account, and you don't need to create an account to use it. You also get recurring bills, payment history, autopay tracking, multiple income schedules, monthly planning, search and filters, backup and restore, CSV export, and Light and Dark Mode. Bills Copilot isn't trying to replace your bank or become a complicated budgeting app. It helps you answer two simple questions: What's due? And what's expected to be left?