BillWise: Bill Payment Tracker

# 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.

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## 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  

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## 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  

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## 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  

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## 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  

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## 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  

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## Privacy first

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

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## 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  

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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/