Bills, Subs & Loans · Android
One missed due date costs you — in late fees, in lost discounts, in a subscription you forgot to cancel. BillWise tracks every recurring payment you have, reminds you before it hits, and shows you exactly where your money goes. No bank connection. No account. Fully offline.
Features
Built for anyone who has recurring payments — which is everyone. No bank login, no sync, no ads.
Subscriptions, credit card bills, rent & utilities, loan payments, and anything else you pay on a schedule. Organize them with 5 built-in categories or create your own — recurring and one-time payments live side by side.
Up to 4 reminders per payment — on the due date, days before, or a fully custom lead time — each at a time you choose. Built with a self-healing check that re-arms reminders even if your phone's battery optimizer tries to kill them.
Spending by category, monthly trends, and a 12-month projection of your recurring commitments. Every currency you use shown side by side — no forced conversions, no guessed exchange rates.
See every payment on a monthly calendar. Dot sizes reflect payment amounts relative to that month, so the bills that matter most stand out at a glance.
Fixed-term insurance, loan tenures, contracts — mark an expiry date and BillWise lets you know the day it lapses, so nothing quietly runs out unnoticed.
Export your full payment history as an Excel file. Share it, archive it, or use it for budgeting.
Set a default currency and override it per payment. Track payments in USD, EUR, GBP, CAD, and 165+ more — each with its own history, shown side by side in analytics.
No bank connection. No sync. All core features work without internet. Your payment data lives on your device — nowhere else.
Who it's for
BillWise was built because recurring payments are invisible until they hurt. This makes them visible.
Pro Version
The free version gives you full access to every feature for up to 5 payments. Pro removes that limit.
Pro is a single one-time in-app purchase. No monthly charges, no annual renewals. Pay once, use forever — including on any new device you restore to.
The free tier allows 5 active payments with every feature accessible. Pro removes the cap entirely — add as many as you need.
Back up and restore your data to Google Drive. AES-256-GCM encrypted before leaving your device. Stored in a private folder only you can access.
Set daily or weekly backups that run silently in the background. Restore to any new device whenever you need.
Privacy & Security
BillWise was designed with privacy as a default, not an afterthought.
BillWise collects no personal data and shares nothing with third parties. No analytics, no crash reporters, no tracking SDKs.
All your payments and history are stored locally only. No bank connection required. No servers. No sync.
The optional Google Drive backup is AES-256-GCM encrypted before leaving your device. Stored in a private folder only you can access.
FAQ
Everything you need to know about BillWise.
Free Download
Free · No login · Works offline · Android 10+
↗ Download on Google Play