BillsClear: what each paycheck leaves after its bills
BillsClear lines your bills up against your paydays and keeps one number in view: your pay for the period minus every bill you add that falls due before the next payday. Day-to-day spending you haven’t entered isn’t in it. You mark each bill paid yourself as it clears. Each bill can be in its own currency, converted at the day’s rate, and that is part of the free plan.
Free: one pay schedule and 8 bills, the evening-before reminder, a payday summary, multi-currency and a backup file. Pro: $4.99 a month or $24.99 a year with a 7-day trial, or $29.99 once, for unlimited bills, a second pay schedule, CSV export, reminder times per bill and pinned exchange rates.
Falls short: no sync between phones (the backup file moves your bills to a new one), no budgets or spending categories, and no import from other apps.
To try the arithmetic before you install anything, the paycheck planner runs the app’s own maths in your browser.
BillOut: the cheapest one-time price on both phones
BillOut describes itself as a way to “simply track your bills and receive a notification on the due date.” It has a calendar, a weekly report, shared bills and salary insights that total your bills between two salaries. There is no bank connection, and you can sign up without an email address; a backup code brings your account back on another phone.
Free: up to 7 bills. You start with Premium for 60 days, then can switch to the free version. Premium: $7.99 once for unlimited bills.
Falls short: its own pages disagree on how far ahead reminders go (the website says up to 7 days, the store listings up to 3), and we found no statement about bills in more than one currency.
Bills Organizer & Reminder: a plain iPhone list, paid for once
An iPhone and iPad app by Dennis Kruta. It has upcoming and paid views with weekly and monthly totals, a calendar, recurring bills from weekly to quarterly, an auto-pay marker, income tracking, iCloud sync across your Apple devices and a CSV export.
Free: every feature for up to 5 accounts (the payees your bills go to), with ads. Paid: $5.99 once for unlimited accounts and $3.99 once to remove the ads. There is no subscription.
Falls short: no Android version that we could find, and the last update in the App Store, version 1.2.25, is from 10 April 2024.
Chronicle: bills on an iPhone and a Mac
Chronicle, by LittleFin, calls itself “the easiest, fastest bill manager in the App Store.” It reminds you before bills are due and keeps your payment history with confirmation numbers. There is a Mac version, and the app was last updated on 10 October 2026.
Free: the download is free; the App Store page states no bill limit. Chronicle Pro, $14.99: a year-ahead forecast, an “amount to save” each month for bills that don’t come monthly, estimated amounts for bills that vary, and Chronicle Cloud for sync and sharing with a partner. The page says Pro is an auto-renewing subscription but doesn’t say how often it renews.
Falls short: Apple devices only, and syncing between them needs Pro.
TimelyBills: bills and a budget in one app
TimelyBills calls itself “your all-in-one budget tracker & bill organizer.” Bills sit next to budgets, spending, goals and family sharing.
Free: up to 10 recurring bills and 5 budgets; the Google Play listing says it contains ads. Paid, on its website: Basic $0.99 a month or $4.99 a year (unlimited bills and a planner calendar), Pro $4.99 a month or $24.99 a year (multi-currency, login on several devices, no ads), Pro Family $6.99 a month or $34.99 a year. Bank sync is a $5.99-a-month add-on in the US and Canada. Prices inside the App Store differ from the website, so check there before you buy.
Falls short: it’s a bigger app than a bill list, the free version has ads, and multi-currency needs Pro. We compare it with BillsClear point by point on BillsClear vs TimelyBills.
PocketGuard: bills inside a bank-linked budget
PocketGuard is a “budget planner, expense tracker, and bill organizer.” Connect your bank and it finds your bills, subscriptions and recurring payments, and shows what is safe to spend after bills, goals and essentials. Its FAQ says you can also manage your budget and add transactions by hand.
Free: the core features. Paid: $12.99 a month or $74.99 a year after a 7-day trial; its website also lists a $149.99 lifetime plan. Paid adds unlimited budgets, transaction rules and a debt payoff planner.
Falls short: finding bills automatically needs a bank link, and the $12.99 monthly plan pays for budgeting features you may not need for bills alone. More on BillsClear vs PocketGuard.
Rocket Money: subscriptions found from your bank
Rocket Money, “the all-in-one personal finance app,” finds subscriptions and bills in your linked accounts and puts them in a recurring list with upcoming, all and calendar views. Its help centre says it “works by linking a card or bank account.” Bills you pay by check, or from an account you haven’t linked, you add by hand.
Free: subscription and upcoming-bill tracking, two budgets and your credit score. Premium: “pay what you think is fair,” typically $7 to $14 a month, per its own pricing article. Its bill negotiation service charges 35 to 60% of the first year’s savings when it works.
Falls short: if you don’t want to link a bank, most of the app doesn’t apply to you. More on BillsClear vs Rocket Money.
