BillVault vs Bill Tracker & Subscriptions

Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html

Every bill and subscription in one place, with a reminder before the money leaves. Bill Tracker & Subscriptions is a simple bill tracker and subscription manager for people who want to see what is coming out and when. No bank connection, no signup, no questionnaire — open the app and add your first bill in two taps. WHAT IT DOES • Bill tracker for monthly bills, rent, utilities, insurance and internet • Subscription manager for streaming, the gym and everything you forgot about • Payment reminder before every due date, not after • Total per month and per year, at a glance • Paid, overdue and still to come — every charge in one place MONTHLY BUDGET PLANNER Plan the month in one number. Set a monthly budget and the app shows what is left, how much you can spend per day until the month ends, and how much of it the bills still due this month will take. Limits for single categories sit below, each with a bar and a mark showing where you should be today. The amount is suggested from what you spent last month, so there is nothing to guess. What is left shows on the home screen and in the note after every expense; at 80% and 100% of a limit you get a notification, and on the 1st a short summary of how the month went. Every month starts fresh by itself. FOUR WAYS IN, PICK THE ONE YOU LIKE Nobody enjoys typing bills into a form. So there are four ways in, all of them seconds. SAY IT Speak one line — "coffee 5", "pharmacy 12", "taxi 18" — and the expense is saved with the amount and the category already filled in. Voice input follows your app language. SCREENSHOT IT Pick a screenshot of a payment screen or a bank notification and the app reads the amount and the merchant off the picture. The image is recognized on the device and never leaves your phone. IMPORT A STATEMENT Whatever your bank gives you: OFX, QIF, CSV, Excel or PDF. Months of history land in one go, each payment on its own date, with categories filled in. Repeating charges are detected so you can see the subscriptions you forgot you were paying. No account linking, no bank login, no read-only access to anything. TYPE IT Two taps and a number. Amount first, category suggested, done. REMINDERS THAT ACTUALLY ARRIVE Most bill reminder apps go quiet after a while. This one re-checks its schedule every time you open the app. You choose how many days ahead and at what hour. A reminder that comes late is the same as no reminder. SUBSCRIPTIONS TICK THEMSELVES OFF A subscription on autopay has no reason to ask whether it went through: on the charge date it marks itself paid and rolls on to the next one. Nothing to tick by hand. If the money never left — the card was short, or you canceled — one tap puts it back as owed, or ends the subscription for good. SEE WHERE THE MONEY WENT Monthly total, a breakdown by category, and a calendar of what is due when. Yearly cost of every subscription, so a "cheap" monthly charge is shown for what it adds up to. ANY CURRENCY Over fifty currencies. Keep bills in the currency you actually pay in. Where a rate was saved on the payment day the total uses it, not today's; where there is none, the amount is counted separately, never blended into a wrong total. YOURS, ON YOUR PHONE Add a bill with no signal, get the reminder on a plane. Your bills, every reminder, the calendar and the totals work with no connection at all; statement import needs one, because the file is read on our server. No account required; an optional one syncs between your devices. Export everything to CSV whenever you want. 14 DAYS FREE, THEN ONE PAYMENT Everything is open for 14 days. After that a single purchase keeps it open forever: no subscription, no renewals, no ads and no limit on how many bills you track. Your records, the calendar, CSV export and reminders for bills you already added stay free either way.