Byllo - Safe Spend Planner

Money shouldn't feel like a test you keep failing. Byllo remembers what's coming, shows one honest number for what's safe to spend, and never makes you feel behind.

Money shouldn't feel like a test you keep failing.

Byllo is a calm place to keep track of bills, loans and spending. It's built for people whose brains forget things, and whose income doesn't always arrive on schedule.

ONE HONEST NUMBER

Your balance lies. It doesn't know about the rent, the EMI, or the money you still owe a friend. Byllo sets all of that aside first and shows you what's genuinely left. Set a monthly cap yourself and safe-to-spend stays honest.

ONE CALM LIST

Bills and spending live together in a single list, filtered by what's coming soon, what's paid, and what's already history. Add something in a couple of taps. Swipe to remove it. Nothing shouts at you.

MONEY IN MOTION

The money that usually goes missing: what you lent, what you borrowed, and the loans still running. Byllo tracks how much of each one you've actually paid off and how many EMIs are left. And when money you lent is never coming back, you can let it go, and Byllo stops counting it against you.

INSIGHTS THAT DON'T LECTURE

Where your money went this month, by category. Income against expenses across six months. How many bills you cleared. Clear charts, plainly labelled, no judgment attached.

BUILT TO STAY YOURS

Byllo keeps everything on your device. No account. No server. No tracking. Lock it behind Face ID or a PIN. Export a copy whenever you like, and that copy goes to you, not to us.

WHAT BYLLO WILL NEVER DO

No ads. No selling your data. No streaks to break. No guilt notifications. No language that treats a missed bill like a moral failure.

Byllo was made for people who've quietly given up on money apps that demand more organisation than they have to give. If an app has ever made you feel worse about your money, this one is trying to do the opposite.

Byllo is a personal money tracker. It isn't a bank or a lender, and it doesn't give financial advice.

EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/