BillVault vs Kite

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

Kite budgets the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own pay period, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • A Home Screen widget. What's left this period and your next bills, without opening the app. With the app lock on, it shows no amounts. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the cheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE YOUR BANK'S APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY • No account. Nothing to sign up for. • No bank connection. Nothing to link. • No analytics, no ads, no tracking. • Kite makes no network requests at all. Your budget never leaves the phone. • Optional unlock with Face ID, Touch ID or your passcode. • Backups are yours: save a file, keep it where you like, restore it when you change phones. Kite is not financial advice. It is a place to see your own numbers clearly.