One payment at a time.
Get started privately
The app comes with no real account data. Import your separate private setup file on this iPhone, or add bills manually. Never upload your private setup file to a public website.
Upcoming bills
House & debt goals
My credit & house goal
Dated estimate you control, not a live score or mortgage qualification.
Ask your AI helper
No API chargeCheck your next payment, plan safe extra payments, or ask ChatGPT with a copy-and-paste handoff.
Bill tracker
Only amounts entered and not marked paid. This does not prove funds are available or include bills with unknown amounts or dates.
Cards & loans
Excludes payroll-withheld obligations and accounts without confirmed balances. Balances are manually maintained, not live bank data.
Plan with me
This offline planner answers basic questions from your saved bills. For conversational AI, prepare a message and send it yourself to ChatGPT. No paid API key, no automatic data sharing.
My settings
Weekly planning figures
Edit these when your pay or household expenses change. Never assumed to be your live bank balance.
Credit snapshot & home goal
Update this only when you have a confirmed report. Mortgage lenders may use different scores.
My private data
Financial entries are encrypted locally with your passphrase and remain on this phone. It does not connect to your bank or ChatGPT automatically. Never enter bank logins, full account numbers, or Social Security numbers.
Backup downloads are password-encrypted vault files. Keep your passphrase separately and protect backup files. The initial setup JSON is unencrypted until imported; delete it from iPhone Files afterward. Never publish it.
What this version can and cannot do
✓ Track bills, show due dates, record paid/needs-review, calculate weekly plan, work offline after installation, make manual backup, open ChatGPT.
! Does not read real bank balances, issue automatic payment orders, run background due-date push alerts, or host a free independent AI model. Your existing ChatGPT Thursday reminder remains separate.
No required subscription, no analytics, no tracking scripts, no server database, no outgoing network calls for your data. Opening ChatGPT is optional and you decide what to share.