BillWise 2.3 — projects, savings goals and a fresh look • Projects: give a house back home, a renovation or a wedding its own budget. Log every top-up and expense, add recurring costs with reminders, and always know what's left • Savings Goals: set money aside each month toward a target and track how close you are • Project money now counts in your Forecast and Safe to Spend, and every project has a report you can export • A refined BillWise icon, plus five more to unlock as you level up: Classic Blue, Gold, Platinum, Diamond and BillWise Legend. Choose yours in Settings › App Icon • Themes that change the whole look: Midnight, Ocean Breeze, Emerald and Obsidian Pro each have their own colors. Preview them all in Settings › Theme • Cleaner, more consistent icons on every screen • Backups now include your settings and statement attachments, so moving to a new iPhone brings everything with you • Exports show a separate total for each currency and the right status for paid and auto-paid bills • A refreshed Help Center and FAQ The free plan includes one project and one savings goal. Your data stays on your device.

BillWise 2.1 — paid, auto-paid, and in every currency • Paid bills move out of the way: once you mark a card or bill paid it leaves Upcoming and sits in its own Paid This Cycle section until the next cycle opens • Auto-pay: flip "Paid Automatically" on bills your bank settles itself. BillWise logs the payment on the due date and swaps the reminders for a heads-up • Home-country bills, too: every bill keeps its own currency, and the Dashboard, Bills, Forecast and Insights switch between currencies instead of mixing them • Credit cards now show the payment you actually owe next — the statement that just closed — instead of the one a cycle ahead • Installments paid early no longer keep showing the installment you just paid • Reminders re-arm every cycle, including for bills added from the form • Looks right on iPhone Duo, open or closed Your data stays on your device.

BillWise 2.0 — smarter credit cards • Best card to swipe now ranks by rewards too: add category rates (like 5% on groceries, with monthly caps) and see what a purchase earns next to how long it stays interest-free • Utilization Guard: see what each card will report at cutoff — and exactly what to pay before then to stay under your target • Annual fee waiver tracker: follow your spend toward getting a card's fee waived, with reminders at 60 and 30 days • Link subscriptions and utilities to the card they're charged to: your Forecast shows them on the card's due date, without counting a statement twice • Installments added part-way through now show the right completion date, and the Forecast counts only the payments you still owe • Paying tax in instalments? Installments now have a type — including Tax, for plans like GIRO • New bill types: rent, condo dues, insurance and remittances, under Bills & Utilities • "First Payment Date" replaces "Start Date" on installments Category rewards, Utilization Guard and the fee waiver tracker are part of Premium. Your data never leaves your device.

BillWise 1.4.2 • Your subscriptions now count everywhere: the Dashboard tile shows how many you have and what they cost you a month • Every subscription shows the real charge and when it renews next • Archived a subscription? It now shows up in Archived Bills, ready to restore or delete • Export (Premium) now includes subscriptions and one-off purchases alongside your bills • Your weekly summary counts the renewals landing that week • Translation fixes and general polish New in 1.4, in case you missed it: • Best card to swipe today — the longest interest-free float for a purchase made now • "Pay to skip interest" on the Dashboard: the exact amount to clear before the due date • Free-trial and renewal alerts for subscriptions • Debt Payoff Planner (Premium): avalanche vs snowball with your debt-free date • Widget quick-pay and a lock-screen countdown for your most urgent bill Your data never leaves your device.

BillWise 1.4.1 • Cards with a fresh statement now say "Pay to skip interest" right on the Dashboard — the amount shown is exactly what to pay before the due date • Credit utilization ring on every card: healthy, elevated or high, with the balance your bank actually reports at cutoff • Stability and performance improvements New in 1.4, in case you missed it: • Best card to swipe today — the longest interest-free float for a purchase made now • Type a statement balance straight into the notification • Free-trial and renewal alerts for subscriptions • Debt Payoff Planner (Premium): avalanche vs snowball with your debt-free date • Widget quick-pay and a lock-screen countdown for your most urgent bill Your data never leaves your device.

BillWise 1.4 — Your Cards, Played Right BEST CARD TO SWIPE TODAY (NEW) • BillWise knows every card's cutoff — now it tells you which card gives a purchase made today the longest interest-free float • See the full ranking: each card's cutoff, pay-by date, and free days • Charge right after cutoff and hold onto your money for weeks longer SUBSCRIPTIONS, ALL GROWN UP • Subscriptions are now a full bill type with their own tab, forecast line, and insights • Free-trial alerts 2 days before a trial converts to paid — cancel in time • Renewal reminders 3 days before each charge, so annual fees never ambush you DEBT PAYOFF PLANNER (PREMIUM) • Add your card's APR and see what carrying a balance really costs per month • Simulate avalanche vs snowball and get your debt-free date and payoff order PAY FROM YOUR HOME SCREEN • A checkmark button on widgets logs a payment without opening the app • A Live Activity counts down your most urgent bill on the lock screen and Dynamic Island ALSO • Runway alert warns you the day before your balance is projected to dip below zero • Fixed a Face ID double-prompt when confirming sensitive actions More features, same privacy. Your data never leaves your device.

BillWise 1.3.1 — Your Cards, Played Right BEST CARD TO SWIPE TODAY (NEW) • BillWise knows every card's cutoff — now it tells you which card gives a purchase made today the longest interest-free float • See the full ranking: each card's cutoff, pay-by date, and free days SUBSCRIPTIONS, ALL GROWN UP • Subscriptions are now a full bill type with their own tab, forecast line, and insights • Free-trial alerts 2 days before a trial converts to paid — cancel in time • Renewal reminders 3 days before each charge, so annual fees never ambush you DEBT PAYOFF PLANNER (PREMIUM) • Add your card's APR and see what carrying a balance really costs per month • Simulate avalanche vs snowball and get your debt-free date and payoff order PAY FROM YOUR HOME SCREEN • A checkmark button on widgets logs a payment without opening the app • A Live Activity counts down your most urgent bill on the lock screen and Dynamic Island ALSO • Runway alert warns you the day before your balance is projected to dip below zero • Fixed a Face ID double-prompt when confirming sensitive actions More features, same privacy. Your data never leaves your device.

BillWise 1.3 — Beyond Bills Your biggest update yet. BillWise now does more than remind you about bills — it shows you what's actually yours to spend. SAFE TO SPEND • Add your income and BillWise subtracts everything you owe this month — bills, cards, installments and subscriptions — so you see exactly what's safe to spend. RUNWAY TO PAYDAY • A 30-day projection of your balance, day by day. BillWise lays every upcoming bill, subscription and payday on a timeline and tells you whether you'll run short — and when. TRACK YOUR SUBSCRIPTIONS • Add Netflix, Spotify, iCloud and the rest in one place. See your total monthly burn, a countdown to every renewal, and a flag on anything still in a free trial. A DASHBOARD THAT GREETS YOU • A fresh, welcoming home screen — even before you add your first bill — so you always know where to start. ALSO NEW SINCE YOUR LAST UPDATE • Spending Insights: a new tab with monthly trends and category breakdowns, built from the payments you log. • Mark as Paid from a notification — log the payment, earn XP and clear reminders without opening the app. • Hide Amounts everywhere, with a one-tap eye button on every screen. • Face ID / Touch ID App Lock to keep your bills private. • Now in English, Arabic, Spanish and German. • Home & Lock Screen widgets, plus photo/PDF statement attachments. Thank you for the feedback that shaped this release. As always, your data stays on your device.

BillWise 1.2.7 — Cleaner, Clearer, More Accurate PAID MEANS PAID • Mark a credit card or utility bill as paid and it updates right away — the amount clears from your dashboard instantly, so what's still due is always clear • Works whether you pay inside the app or straight from a notification DUE DATES THAT MATCH YOUR STATEMENT • Credit card due dates now land exactly on the due day you set, every month — no more off-by-a-day drift in shorter months • Your forecast lines up with the corrected dates too EVERY BILL AT A GLANCE • Your dashboard now lists all of your upcoming bills inline — no more tapping "See All" to find one Thank you for the feedback that shaped this update. As always, your data never leaves your device.

BillWise 1.2.6 — Know Where Your Money Goes SPENDING INSIGHTS (NEW TAB) • See your monthly spending as a beautiful trend chart, built from the payments you log • Break it down by category — credit cards, utilities, installments & purchases • Compare this month to last month at a glance • Watch your progress against this month's forecast as you pay bills off • Premium unlocks 6-month and 1-year views of your history MARK AS PAID FROM NOTIFICATIONS • Bill due? Press the reminder and tap "Mark as Paid" — that's it • Your payment is logged, XP and streaks are awarded, and remaining reminders for that bill are cleared • Installment progress updates automatically — all without opening the app • You'll get a confirmation the moment it's done HIDE AMOUNTS, EVERYWHERE • Hide Amounts now covers Forecast and Insights too — every amount masked across the entire app • New eye button right in the Forecast and Insights toolbars — toggle privacy with one tap • Check your bills on the train, in a meeting, anywhere — your numbers stay yours More features, same privacy. Your data never leaves your device.

Personalized from day one • New guided setup: tell BillWise your goals and which bills you juggle, and your dashboard, reminders, and forecast are tailored from the very first launch. • Smarter cutoff-aware guidance focused on what matters most to you. • A faster, friendlier onboarding experience. • Performance improvements and bug fixes.

Personalized from day one • New guided setup: tell BillWise your goals and which bills you juggle, and your dashboard, reminders, and forecast are tailored from the very first launch. • Smarter cutoff-aware guidance focused on what matters most to you. • A faster, friendlier onboarding experience. • Performance improvements and bug fixes.

Personalized from day one • New guided setup: tell BillWise your goals and which bills you juggle, and your dashboard, reminders, and forecast are tailored from the very first launch. • Smarter cutoff-aware guidance focused on what matters most to you. • A faster, friendlier onboarding experience. • Performance improvements and bug fixes.

Personalized from day one • New guided setup: tell BillWise your goals and which bills you juggle, and your dashboard, reminders, and forecast are tailored from the very first launch. • Smarter cutoff-aware guidance focused on what matters most to you. • A faster, friendlier onboarding experience. • Performance improvements and bug fixes.

Personalized from day one • New guided setup: tell BillWise your goals and which bills you juggle, and your dashboard, reminders, and forecast are tailored from the very first launch. • Smarter cutoff-aware guidance focused on what matters most to you. • A faster, friendlier onboarding experience. • Performance improvements and bug fixes.

BillWise 1.2 — Never Miss a Cutoff or Due Date SMARTER PREMIUM • Redesigned Premium paywall with a 14-day free trial • Upgrade when it matters—6th bill, export, iCloud sync, widgets • Trial reminders to help you build the habit before your trial ends • Clearer subscription management and optional feedback before you cancel BILLING CYCLE TOOLS • Monthly forecast—see fixed obligations before bills arrive • Cutoff-aware alerts: pre-cutoff, statement ready, and due date reminders • Payment history trends to spot patterns over time CREDIT CARD COMMAND CENTER • Track expiry, annual fees, cashback/rewards, and utilization • Cards expiring soon surface on your dashboard Plus performance improvements and polish throughout the app.

BillWise 1.1.5 — Pay Smarter, Skip Interest STATEMENT BALANCE, FINALLY DONE RIGHT • See your closed-cycle statement balance separately from your live current spend • "Interest-Saving Payment" tells you the exact amount to pay before due date to skip interest • New "Statement Ready" alert fires the day after cutoff with the figure BNPL TRACKING • Track Klarna, Afterpay, Affirm, Tabby and Tamara plans alongside your bills • Pay-in-4 schedules fully supported • Weekly and bi-weekly installments now calculate due dates automatically CYCLE CALLOUT ON CARD DETAILS • A clear callout on each card explains exactly what to pay and by when to avoid interest WEEKLY SUMMARY NOTIFICATIONS • Optional Sunday-night recap of the week ahead — toggle in Settings STAY UP TO DATE • Friendly in-app prompt when a new version is available All data stays on your device. No tracking. No ads.

What's New • BNPL support: track Klarna, Afterpay, Affirm, Tabby, and Tamara installments alongside your bills — with weekly, bi-weekly, monthly, and Pay-in-4 schedules. • Statement vs. Current Balance: see your closed statement amount (pay this to skip interest) separately from your live running spend. • Statement Ready notifications: the day after your cutoff, we surface the exact interest-saving payment. • Smarter reminders and forecast nudges to help you plan for what's coming. • Purchase management improvements and a quick toggle to hide bill amounts from prying eyes. Thanks for using BillWise — please leave a rating if you're enjoying it.

BillWise 1.1.3 — Stay Ahead This update turns your reminders, forecasts, and payments into one connected loop. SMARTER REMINDERS • Control exactly which alerts you get per bill — toggle pre-cutoff, due date, urgent, and overdue independently • Quiet hours — no notifications between 10 PM and 8 AM (adjustable) • Adjust default lead time from 1 to 7 days in Settings • Tap any notification to jump straight to that bill FORECAST CONFIDENCE NUDGES • New banner shows how many bills are missing amounts — tap to fix them • Every forecast item is now tappable — jump to the bill to add or update the amount • "Unpaid Only" toggle lets you focus on what's still due • Earn 10 XP the first time you check your forecast each week PAYMENT COMPLETION LOOP • Swipe left on any bill in your dashboard timeline to quickly mark it as paid • Daily check-in now awards streak-based XP automatically when you open the app • Your full payment loop — notification → review → pay → earn XP — now works end to end • Privacy Mode — Tap the eye icon on your Dashboard to instantly hide all amounts. Your balances stay private when you're in public -- just like your favorite banking app. The setting syncs across all screens and persists between sessions. • Smarter Bills Screen — Filter tabs now stay pinned at the top so you're never stuck on an empty category. Plus a handy "Show All Bills" button when a filtered view is empty. Bill rows got a fresh redesign with color-coded accent bars and larger icons for easier scanning. • Dashboard Premium Card — A new inline card on the Dashboard lets free users discover Premium and start a free trial with one tap. Same privacy. All data stays on your device unless you choose iCloud.

BillWise 1.1.2 — Stay Ahead This update turns your reminders, forecasts, and payments into one connected loop. SMARTER REMINDERS • Control exactly which alerts you get per bill — toggle pre-cutoff, due date, urgent, and overdue independently • Quiet hours — no notifications between 10 PM and 8 AM (adjustable) • Adjust default lead time from 1 to 7 days in Settings • Tap any notification to jump straight to that bill FORECAST CONFIDENCE NUDGES • New banner shows how many bills are missing amounts — tap to fix them • Every forecast item is now tappable — jump to the bill to add or update the amount • "Unpaid Only" toggle lets you focus on what's still due • Earn 10 XP the first time you check your forecast each week PAYMENT COMPLETION LOOP • Swipe left on any bill in your dashboard timeline to quickly mark it as paid • Daily check-in now awards streak-based XP automatically when you open the app • Your full payment loop — notification → review → pay → earn XP — now works end to end • Privacy Mode — Tap the eye icon on your Dashboard to instantly hide all amounts. Your balances stay private when you're in public -- just like your favorite banking app. The setting syncs across all screens and persists between sessions. • Smarter Bills Screen — Filter tabs now stay pinned at the top so you're never stuck on an empty category. Plus a handy "Show All Bills" button when a filtered view is empty. Bill rows got a fresh redesign with color-coded accent bars and larger icons for easier scanning. • Dashboard Premium Card — A new inline card on the Dashboard lets free users discover Premium and start a free trial with one tap. Same privacy. All data stays on your device unless you choose iCloud.

BillWise 1.1.1 — Stay Ahead This update turns your reminders, forecasts, and payments into one connected loop. SMARTER REMINDERS • Control exactly which alerts you get per bill — toggle pre-cutoff, due date, urgent, and overdue independently • Quiet hours — no notifications between 10 PM and 8 AM (adjustable) • Adjust default lead time from 1 to 7 days in Settings • Tap any notification to jump straight to that bill FORECAST CONFIDENCE NUDGES • New banner shows how many bills are missing amounts — tap to fix them • Every forecast item is now tappable — jump to the bill to add or update the amount • "Unpaid Only" toggle lets you focus on what's still due • Earn 10 XP the first time you check your forecast each week PAYMENT COMPLETION LOOP • Swipe left on any bill in your dashboard timeline to quickly mark it as paid • Daily check-in now awards streak-based XP automatically when you open the app • Your full payment loop — notification → review → pay → earn XP — now works end to end Same privacy. All data stays on your device unless you choose iCloud.

BillWise 1.1 — Your Credit Card Command Center This update turns BillWise into the most complete credit card tracker on the App Store. CARD EXPIRY TRACKING • Set your card's expiry date and get notified 30 days, 7 days, and on the day it expires — never get caught with an expired card again ANNUAL FEE REMINDERS • Track annual fee amounts and due dates per card • Get reminded 30 days before your fee is charged CREDIT UTILIZATION ALERTS • See your utilization percentage at a glance • Get warned when you exceed 80% — protect your credit health REWARDS & CASHBACK TRACKING • Track cashback rate, points, or miles for each card • Know which card to use before every purchase CARD NETWORK & COLOR • Tag cards by network (Visa, Mastercard, AMEX, JCB & more) • Pick a custom color per card for instant visual recognition EXPIRING CARDS ON DASHBOARD • Cards expiring within 60 days now appear on your dashboard with a countdown — no surprises PAYMENT TREND CHART • New bar chart shows your payment history over time • Spot trends and stay on track with your finances More features, same privacy. All data stays on your device.