Bill organizer app: see what’s left after your bills clear. Before payday, not after.
Type in when you’re paid and what you owe. BillsClear lines up the bills you add against your next payday and keeps one number in view: your pay minus all of them.
BillsClear, the bill organizer app, is free for one pay schedule and 8 bills and never asks for your bank login.
- MonSep 28
- Next paydayOct 12
- MonOct 26
Monday, in 14 days
$286.88 left after 5 bills
Paycheck $1,850.00 Bills $1,563.12 1 of 5 paid
- PKR
- Rs 28,000.00
- converts to $101.12
- USD
- $1,462.00
Rates as of Sep 28, 2026. Rates By Exchange Rate API, the same daily source the app uses.
This period
- Overdue, was due Sep 23 $142.00
- Due Sep 30 $1,200.00
- Due Oct 3 $65.00
- Due Oct 7 $55.00
- Due Oct 9 Rs 28,000.00$101.12
Sample pay period. Tick a bill to mark it paid, or switch the currency to see the total convert.
How it works
Set it up once. After that, check it each payday and tick bills off as they clear.
-
Tell it when you’re paid
Weekly, every two weeks, twice a month (the 1st and 15th, or the 15th and the last day) or monthly. Add your next payday and your take-home pay.
- Weekly
- Every 2 weeks
- Twice a month
- Monthly
-
Add each bill once
Name, amount, currency and due date. A bill can repeat monthly, weekly, every two weeks or yearly, or happen once. The free plan keeps up to 8 bills; Pro keeps as many as you like.
- Monthly
- Weekly
- Every 2 weeks
- Yearly
- One-off
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Tick bills off as they clear
The big number is your pay for the period minus every bill in it, paid or not, so it doesn’t jump around as you tick. Day-to-day spending you haven’t entered isn’t in it. A bill you missed last period carries over, flagged. A tap is saved to your phone straight away, so paid stays paid.
- 1 of 5 paid$286.88 left
- 3 of 5 paid$286.88 left
- 5 of 5 paid$286.88 left
-
Get a nudge the evening before
A reminder at 6 pm the day before a bill is due, skipped once it’s paid, and a summary on payday morning. Both are scheduled on your phone, and permission is only asked for once setup is done and your first number is on screen.
Internet due tomorrow$55.00 due October 7.
Payday$286.88 left after 5 bills.
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Look back at past paydays
Swipe between pay periods, or open History to see what was left in each one.
- Sep 14 – Sep 27$312.40 left
- Aug 31 – Sep 13$198.15 left
- Aug 17 – Aug 30$264.90 left
Sample history.
One paycheck, and every bill that falls before the next one.
A pay period runs from one payday to the day before the next. A bill counts in the period its due date falls in. This is the sample period from the top of the page.
The bill calendar for Sep 28 to Oct 11
Carried over:Car insurance $142, was due Sep 23
- Sep 28Payday$1,850
- 29
- 30Rent$1,200
- Oct 1
- 2
- 3Phone$65
- 4
- 5
- 6
- 7Internet$55
- 8
- 9Family supportRs 28,000
- 10
- 11
A missed bill carries into this period, flagged.Next payday Mon Oct 12
Where the $1,850 paycheck goes
- Paycheck$1,850.00
- Rent−$1,200.00
- Car insurance (carried over)−$142.00
- Family support, Rs 28,000 at 276.91−$101.12
- Phone−$65.00
- Internet−$55.00
- Left after 5 bills$286.88
Paid or not, every bill in the period comes off, so the number holds still as you tick.
Try it in your browser first
An hours calculator, a three-paycheck months finder and four planners that use the app’s own arithmetic. Nothing to install, no account, and nothing you type leaves your browser.
Weighing another app? See seven bill tracker apps compared, or BillsClear against Rocket Money, PocketGuard or TimelyBills.
- Three-paycheck monthsWhich months of 2026 to 2028 bring a third paycheck, with a CSV of every pattern.
- Hours calculatorAdd up your shifts, breaks and overtime, in hours and minutes and in decimal hours.
- Paycheck plannerDrop every bill onto the paycheck that pays it and see what each one leaves.
- Biweekly budgetYour year of paychecks, and the months that bring a third one.
- Bill calendarEvery due date and payday in one month you can print.
- Printable bill trackerA monthly sheet with a paid column, to print or save as a spreadsheet.
Paid in dollars. Spending in rupees, pesos or naira.
For freelancers and remote workers whose pay and bills don’t share a currency. Multi-currency is part of the free plan.
- A currency on every bill and every pay schedule. Rent in rupees, a subscription in dollars, a paycheck in either.
- One currency for the total. Everything converts into the display currency you pick, with a per-currency breakdown under the number.
- Daily rates that work offline. The app fetches the day’s rates at most once a day. When you’re offline it keeps the last good set and shows its date.
- No made-up rates. If a currency has no rate yet, it’s marked “rate unavailable” and its bills stay out of the total rather than being converted at a guessed rate.
| Currency | 1 USD buys |
|---|---|
| Pakistani rupee (PKR) | 276.91 |
| Indian rupee (INR) | 95.93 |
| Philippine peso (PHP) | 62.45 |
| Nigerian naira (NGN) | 1,327.30 |
Pin your own rate Pro
The daily rate is a market reference. If your bank or transfer service gives you a different rate, pin it for that currency pair and every total uses it.
Daily rate 1 USD = 276.91 PKRPinned, for example 1 USD = 274.50 PKR
Start free with 8 bills. Pro tracks every bill.
Free
$0forever
- One pay schedule and up to 8 bills
- The paid checklist, what’s left after bills and payday history
- Due-date reminders and the payday summary
- Multi-currency with daily exchange rates
- No ads, no account, no bank link
BillsClear Pro
$24.99a year, after a 7-day free trial
or $4.99 a month, with no trial, or $29.99 once for lifetime
- Unlimited bills
- Pin your own exchange rate for a currency pair
- A second pay schedule, for a partner’s income or side work
- Export your bill history as a CSV file
- Custom reminder times for each bill
Prices are in US dollars. The App Store and Google Play show your local price before you buy. Pro renews automatically until you cancel in your Apple or Google account. The free plan never expires and keeps up to 8 bills.
No bank link. No account. Your bills stay on your phone.
What stays on your phone
Your pay schedule, bills, amounts, currencies and paid history. They live in a database on your device, and no server of ours receives them.
What leaves it
A once-a-day request for public exchange rates, which carries no bills, amounts or identifiers. Each launch, the app asks RevenueCat whether you have Pro, using an anonymous ID and no bills; if you buy Pro, the purchase goes through Apple or Google and RevenueCat. On Android, the first launch also tells RevenueCat which link you installed from, if it had one. From version 1.2, anonymous usage events (which screens you open, errors, app version) go to our own analytics service, never your bills or amounts. Turn them off in Settings → Privacy → Share anonymous usage data. Backups you make stay in the file you save; we never receive them.
What we never do
Ask you to sign in, connect to your bank, show ads, or add third-party analytics or tracking tools.
Questions
Anything else? Email support@billsclear.com.
What is a bill organizer app?
An app that keeps every bill you owe in one list, with its amount and due date, and reminds you before each one is due. BillsClear organizes that list by payday: each bill sits in the pay period its due date falls in, so you can see which paycheck has to cover it and what that paycheck leaves after its bills.
Can I use BillsClear for free?
Yes. The free plan never expires and covers one pay schedule and up to 8 bills, with the paid checklist, what’s left after bills, reminders, payday history and multi-currency. BillsClear Pro adds unlimited bills, a second pay schedule, CSV export, custom reminder times and pinned exchange rates. It costs $24.99 a year after a 7-day free trial, $4.99 a month with no trial, or $29.99 once for lifetime.
Does BillsClear connect to my bank?
No. You type in each bill once: its name, amount, due date and how often it repeats. There’s no bank login, no Plaid and no account, so there’s nothing to link, and your bills stay on your phone.
How do I set bill reminders?
Add each bill with its due date, then allow notifications when BillsClear asks, which it does once setup is done and your first number is on screen. Each unpaid bill then gets a reminder at 6 pm the evening before it’s due, and payday brings a morning summary. In Settings, “Also remind me on the due day” controls a second reminder on the morning of the due date. A reminder has two buttons: “Mark paid” and “Remind me tomorrow”.
With BillsClear Pro, each bill can have its own reminder, from 1 to 14 days before, at the time you choose.
Can I see my bills on a calendar?
The app lists your bills by pay period, from one payday to the day before the next, and you swipe between periods. It doesn’t have a month grid. For a whole month on one page, the free bill calendar on this site lays out every due date and payday, ready to print.
Is my data safe with BillsClear?
Your bills stay on your phone. They live in a database on the device, there’s no account and no bank link, and no server of ours receives them. The few things that do leave your phone are listed under What leaves it above, and none of them carries your bills or amounts. The privacy policy has the details.
How is “left after bills” worked out?
Every paycheck that lands in the pay period adds to it. Every bill due in the period subtracts once, whether you’ve paid it yet or not. Ticking a bill paid tells you what’s still outstanding; it doesn’t move the number.
Which pay schedules does it handle?
Weekly, every two weeks, twice a month (the 1st and 15th, or the 15th and the last day of the month) and monthly. With Pro you can add a second schedule, such as a partner’s pay or side work, and its paychecks count toward whichever period they land in.
I’m paid in dollars, but my bills are in rupees. Will it work?
Yes, and it’s free. Set your pay schedule in dollars and each bill in its own currency, then choose the currency you want the total in. BillsClear converts every amount at the day’s rate, or at a rate you pin, and shows a breakdown per currency.
If your bank or transfer service gives you a different rate, BillsClear Pro lets you pin it.
Where do the exchange rates come from?
From open.er-api.com, ExchangeRate-API’s free daily feed. The app asks for the day’s table at most once a day. The request is the same for everyone and carries none of your data. The rates are market references for estimates, so your bank’s rate can differ. Pinning a rate is for exactly that.
What happens to my bills if I delete the app?
They’re deleted from that phone, because BillsClear keeps them nowhere else (your phone’s own iCloud or Google backup may still hold a copy). If you want a copy first, Settings → Backup saves your bills to a file you keep, free since version 1.1 on Android and iPhone, and BillsClear Pro exports your bill history as a CSV file.
If I stop paying for Pro, do I lose anything?
You keep Pro until the end of the period you paid for. After that every bill you have stays on your phone and keeps being tracked, and everything in the free plan keeps working. Adding bills past the free plan’s 8 needs Pro again.
Where can I download it?
BillsClear is on the App Store for iPhone and on Google Play for Android. It’s free to download.
Get BillsClear on iPhone and Android.
Free for one pay schedule and 8 bills. Pro adds unlimited bills and four extras.