A UK bill tracker that never connects to your bank
Send encrypted messages and final words to loved ones after your death via email and WhatsApp
Stage
Not given
Established
Founded
Not given
2021
Based in
GB
Not given
Pricing model
Freemium
Not given
Pricing
Free: £0, no card needed, up to 8 outgoings and 2 incomes. Pro Personal: £3.99 per month or £39.90 per year (7-day free trial). Pro Business: £12.99 per month or £129 per year, billed from day one.
Free: 1 email message, basic check-in frequency (every 6 months), email delivery only. Premium (Lifetime): €29 one-time payment, up to 100 email messages, up to 10 WhatsApp messages, all check-in frequencies, photo attachments (500MB).
Key features
Manual bill and income entry without bank connection
Payday-to-payday view for flexible pay cycles
Savings pots and bills funds for goal tracking
Debt planner with snowball and avalanche comparisons
Email and browser reminders for due bills
Partner sharing with separate personal ledgers
Invoicing and job tracker for Pro Business
Send messages after death via email and WhatsApp
Encrypted message storage with AES-256-GCM encryption at rest
Automatic email reminders if check-in is missed
Photo attachments for Premium users
Edit or delete messages anytime before delivery
WhatsApp delivery as alternative to email only
One-time payment with lifetime access, no subscription
What makes it different
Free plan requires no card and covers up to 8 bills and 2 income sources
Partner can join Pro Personal household for free
Works as a web app and can be added to phone home screen
WhatsApp delivery ensures messages are read more reliably than email, reaching older relatives who may not check email regularly
Dead man's switch design requires proof of life through check-ins before messages are sent, not automatic time-based delivery
Completely independent service with no investors, ads, or data selling
Simple, focused message editor with no feeds or distractions
Billify
FinalSaying