NEW: BillWise tells you which card to swipe today for the longest interest-free float. Plus free-trial & renewal alerts, a debt payoff planner, and widget quick-pay.

BillWise

BillWise helps you track bills, credit cards, and installment payments in one simple place — so you never miss a cutoff date, statement date, or due date again.

Unlike typical bill trackers, BillWise understands the full billing cycle and helps you plan ahead with payment forecasts, smart reminders, and offline-first privacy.

Why BillWise stands out

• Track the full billing cycle: cutoff, statement, and due date
• Forecast next month’s fixed payments before bills arrive
• Earn XP, build streaks, and level up as you stay on time
• Keep your data private with offline-first tracking

Track everything in one app

Credit cards

• Custom cutoff dates per card
• Auto-calculated statement and due dates
• Statement amounts and minimum payments
• Pre-cutoff and due date reminders
• Card expiry tracking with 30/7/same-day alerts
• Annual fee tracking with automatic reminders
• Credit utilization warnings above 80%
• Track cashback, points, or miles per card
• Tag by network (Visa, Mastercard, AMEX, JCB & more)
• Custom card colors for quick visual identification

Utility bills

• Electricity, water, internet, gas, phone & more
• Billing cycles and due dates per bill
• Average amounts for more accurate forecasting
• Never miss a utility payment again

Installment plans

• Track zero-interest and regular installments
• See exactly how many months are left
• Visual progress bar for your payoff journey
• Confetti celebration when you finish a plan

Smart dashboard & forecast

Smart dashboard

• All upcoming bills in a single timeline view
• Color-coded by type and urgency
• Overdue bills flagged immediately
• Cards expiring soon shown with a countdown
• Your level and streak visible at a glance

Forecast view

• Total monthly expenses for any future month
• Confidence indicators (confirmed vs. estimated)
• Plan your budget weeks in advance
• See when installments end and cash flow improves

History, trends & smart alerts

Payment history & trends

• Visual bar chart of payments over time
• Full and partial payment breakdown
• Spot spending trends quickly

Smart notifications

• Customizable reminders: 1, 2, 3, 5, or 7 days before
• Pre-cutoff alerts (unique to BillWise)
• Due date reminders with amounts
• Overdue alerts so nothing slips
• Card expiry warnings (30 days, 7 days, and on the day)
• Credit utilization alerts above 80%
• Annual fee reminders 30 days before they post

Gamification & rewards

• Earn XP for every bill paid on time
• Build daily and monthly payment streaks
• Collect 30+ achievement badges
• Unlock themes like Midnight, Ocean Breeze, Emerald
• Unlock alternate app icons as you level up
• Premium: 2x XP rate, streak shields, exclusive badges

Privacy first

• No account required
• No ads, no tracking
• Your data stays on your device
• Optional iCloud sync if you choose

BillWise Premium

Free plan includes up to 5 bills with full gamification.

Upgrade to BillWise Premium for:

• Unlimited bills
• Home Screen & Lock Screen widgets
• iCloud sync across all your devices
• 12‑month payment history
• Export to CSV or PDF
• 2x XP earning rate
• Streak shields (protect your streak)
• Premium badges, themes & app icons
• Priority support

Download BillWise today and turn your bills into a game you can win.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://culi.app/apps/billwise/privacy-policy/