Now BillWise goes beyond bills: see what's Safe to Spend after income, track every subscription's monthly burn, and project your Runway to payday.

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

Pricing

• Premium Monthly: $1.99/month
• Premium Annual: $14.99/year (save 38%)
• Lifetime: $29.99 one-time purchase

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

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Privacy Policy: https://culi.app/apps/dailypulse/privacy-policy