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