A UK bill tracker that never connects to your bank
Private expense tracker with on-device AI that never leaves your phone
Stage
Not given
MVP
Founded
Not given
Not given
Based in
GB
Not given
Pricing model
Freemium
Free
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.
Not given
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
Automated bank SMS sync that filters promotions and OTPs
Receipt OCR that reads bills on the phone
On-device AI using Gemini Nano or Apple Intelligence
Dynamic budgets with automatic suggestions and alerts
Bill-splitting with shareable links
Debt and EMI tracking with interest calculations
Home and Lock Screen widgets
Support for 107 currencies with offline exchange rates
AES-256 encrypted local storage with password-protected backups
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
No account, server or cloud needed—everything stays on your phone
On-device AI that never uploads your data or questions
Works fully offline with local exchange rate data
Automatic bank SMS parsing without manual entry
Bank alerts understood in multiple currencies including rupees, dollars and euros
Billify
Fundstash