A UK bill tracker that never connects to your bank
Desktop app for organizing income, expenses, budgets, subscriptions, and goals
Stage
Not given
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Founded
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Based in
GB
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Pricing model
Freemium
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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.
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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
AI insight that detects patterns and recurring expenses
Budget guard with visual warnings before overspending
Guided onboarding that builds your first month
Real transaction editor with amount, date, category, account, merchant, tags, notes
Reports with charts for category, monthly trend, savings, and extraordinary expenses
Local-first data storage with optional account sync
Control of recurring income, fixed and variable expenses, extraordinary movements, and monthly budget
Google login for account creation
Windows desktop application
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
Local-first by default, no account required to start
Complete financial workspace in one compact, actionable view
Build your first budget in minutes with guided onboarding
Billify
Flytivy Personal Finance