Bill Watch 4+

The calendar and list views are laid out simply and it is easy to read and understand my bill and income timeline. This is the best free app that I have tried and I downloaded quite a few (if not all) of the top bill tracker apps and did not like them nearly as much as I like this one. All the bills are entered manually which I like because I don’t have to worry about connection issues with one of my billers.

I have tried about 10 of these apps now and after a month or two of use, the shortcomings becomes very obvious. This one isn’t bad “yet” (still testing it out). However, it seems impossible to find a single app with all the features that makes the most sense for tracking bills. For example: Account Number, Due Date, Balance Due, Partial Payments, Default Notifications settings capabilities and total balance with payment deductions for payments like medical bills that actually decrease with every payment. Now to this app, I really like the features it does have, but it’s pretty much lacking all the things I just described above, except that it does allow for roll-over payments on partial payments. The screens are nice, but the functionality isn’t immediately obvious, however it’s the first app I found that actually provides step-by-step operational instructions with pictures (which could be a bad thing, since they may be needed for proper use). It also lets you add income, without linking your bank account, which is a great feature if you pay all your bills at once like I do. Please just give me a few more features and you’ll be the best app out there.

I got this app years ago, at least 4-5 to be exact. It’s hard to keep up with all my bill due dates on my own. The first few years were good until I realized I needed to change most bills end date to unknown. That’s when I got my first late payment because my app didn’t show a bill due and I got a letter in the mail. Ok so maybe my fault for not making sure reoccurring bills do not have an end date. (Didn’t realize they needed one) I then changed them all to unknown end date. Twice now in the last year two different bills haven’t shown up in my list of bills. I get paid I start checking down the list. Then I get an email from my credit card company that my bill is late and I’m slapped with a $30 late fee as well as a mark to my credit. In 18 years I’ve only had 3 late payments and all of them are because of this app. I’ll be looking for something more reliable!