BillSmooth

BillSmooth helps you plan for upcoming bills by setting aside small amounts regularly, so the money is already there when the bill arrives. No more scrambling, no more surprises. **How it works** Divide your money into virtual buckets — one for rent, one for insurance, one for the holiday fund, whatever you need. Set up recurring transfers that top each bucket up at whatever rhythm suits you: weekly, fortnightly, monthly. When a bill comes in, you already have the money set aside. **Built for your real life** - Handles fortnightly pay cycles, not just monthly. - Tracking accounts roll up child balances into a single total. - Projections show fortnightly, monthly and annual impact at a glance. - Works with whichever currency you use — AUD, USD, GBP, EUR, and more. **Your data stays with you** BillSmooth is fully local. Every account, balance and transaction lives on your device — we don't run servers and there's nothing to sign up for. Your data is automatically included in your iPhone's iCloud Backup, and you can export or import a JSON copy from Settings at any time. **Free, no sign-up, no tracking** No ads. No account required. No analytics pinging home. Just a tool to help you get ahead of your bills.