BBP vs SteadyStep

Bills By Paycheck — know exactly which paycheck covers every bill. Most budget apps organize your money by month. Bills By Paycheck organizes it the way you actually live: paycheck to paycheck. Every payday gets its own bucket, every bill lands under the check that covers it, and you always know what's due, what's handled, and what's left over. YOUR DATA STAYS YOURS Bills By Paycheck never connects to your bank. No account linking, no credentials, no third-party data aggregators — just your plan, stored in your own iCloud. PLAN AROUND YOUR PAYCHECKS • Set up any pay schedule — weekly, biweekly, semimonthly, monthly — with multiple income sources • Bills sort automatically under the paycheck that pays them, with an adjustable lead-time cushion • Split a large bill across two paychecks, or carry surplus forward to cover something bigger down the road • Track everyday expenses right alongside your bills, interleaved by date in each bucket • Assign bills to specific bank accounts so you always know where the money is coming from STAY ON TOP OF EVERY BILL • Add bills fast with a built-in catalog of well-known billers — names, websites, and categories auto-fill, complete with logos • Create custom categories for bills and expenses that don't fit the built-in ones • Mark bills paid or cleared, hide what's done, and jump straight to a biller's website to pay • A full calendar view shows every due date at a glance across the month • Get reminded before bills are due, plus alerts if something slips past due SAVE, SET GOALS, AND PAY DOWN DEBT • Automatic Savings sets aside a percentage of every paycheck as its own line item • Savings Goals let you set specific targets — emergency fund, vacation, car — and track your progress toward each one • The Debt Payoff Calculator shows exactly when each balance hits zero, using avalanche or snowball strategies, with a month-by-month payoff timeline • The Savings Report shows your yearly total and a month-by-month chart of what you actually put away SEE THE WHOLE PICTURE • Bill, Expense, Savings, and Debt Payoff reports with clean charts • Track credit card balances, interest rates, credit limits, and promotional APR periods — balance history charts show your paydown progress over time • Print or export PDF reports: a monthly bill checklist, a page-per-paycheck breakdown, and a credit card balance report • Export bills to CSV for Numbers, Excel, or any spreadsheet app WIDGETS, SYNC & PEACE OF MIND • Home Screen widgets for upcoming bills, your next paycheck, monthly spending, savings, and credit utilization • iCloud sync keeps every device up to date • Share with a partner — they see your bills and paychecks in real time on their own device, with read-only access so your data stays in your control • Face ID, Touch ID, or passcode lock keeps your finances private • One-tap backup and restore, with optional reminders so you never forget FREE — REALLY Every feature is free. A single one-time purchase removes ads. No subscriptions, ever.

SteadyStep helps you organize debts, expenses and repayments in one calm, private workspace. Enter your own information, understand your monthly cash flow and follow a clear repayment plan without judgment or pressure. PLAN WITH DETERMINISTIC CALCULATIONS - Record debts, required payments, interest rates and expenses. - Choose whether essential expenses come from a monthly estimate or your itemized records. - Compare interest-first and small-balance-first repayment strategies. - Preview extra monthly payments for free, compare projected payoff timing and interest, and explicitly save your chosen amount. - Review estimated payoff timing, interest and monthly milestones. - See a twelve-month repayment schedule based on the information you entered. TRACK WHAT ACTUALLY HAPPENED - Record real repayments by date and debt. - Keep payment history separate from projected payments. - Update a balance only when you provide a statement balance. - Follow monthly progress using recorded payments rather than a simple completion switch. OPTIONAL COMPLETE REPORTS Preview personalized takeaways for free, then unlock a complete educational report when you want a deeper explanation of your current plan. Reports combine SteadyStep's deterministic calculations with calm explanatory text, practical actions, risk reminders and assumptions. Complete reports are generated on your device, remain available in your private report history and can be exported as a PDF. A single-report purchase unlocks one complete report. An active monthly or annual subscription provides unlimited on-device report refreshes plus report comparison and ongoing progress summaries. Prices shown in the app come directly from the App Store for your storefront. PRIVACY BY DESIGN Free planning does not require a SteadyStep account. Sign in with Apple is used only for purchases, restoring paid access and unlocking complete reports. Your debt names, balances, rates, income, plan and completed reports remain in the app's private device and iCloud storage. Report entitlement confirmation never includes financial values or your financial snapshot. SteadyStep provides planning and educational information only. It is not a lender, debt-relief service, credit-repair service, financial adviser or legal adviser. Estimates depend on the information you enter and may differ from lender statements or actual results.