Best Bill Tracker Apps

The best bill tracker apps include WalletHub, Rocket Money and PocketGuard. These apps have good user ratings and will automatically detect your recurring bills and display them in a list so you can easily keep track of your bills all in one place.

Missing a due date can add expensive late fees on top of your bill and could lead to potential credit damage if you fall too far behind. Using a bill tracker app can help you stay on top of your bills, so you don’t ever miss a payment. In addition, some bill tracker apps offer services that will help you lower your bills and even cancel subscriptions that you no longer need. Read below for the best bill tracker apps you should try.

10 Best Bill Tracker Apps

• WalletHub
• Rocket Money
• Experian
• Monarch Money
• Simplifi by Quicken
• Copilot Money
• Honeydue
• PocketGuard
• Albert
• TimelyBills

WalletHub

Average App Rating: 4.8 / 5

WalletHub’s bill tracker feature lets you see all your recurring bills – such as your rent, utilities, and subscriptions – all in one place. This makes it easy to pinpoint these bills so you can add them to your monthly budget. You can also see all your subscriptions in one place – even the ones you may have forgotten about – giving you a chance to cancel those you no longer need.

What we like: WalletHub uses AI to clean up your transaction data to make it easier to understand your bills, and it will automatically categorize your bills for budgeting purposes. Plus, you can see your total spending in each category for the current month and the past six months along with the six-month average. And, on top of all that, you can arrange to have certain types of transactions flagged so you can manually review them later.

WalletHub also offers non-budgeting features like free access to your credit score and auto insurance score, as well as free credit monitoring, identity theft monitoring, credit analysis, and personalized recommendations for financial products like credit cards. You can also track your investments and customize your dashboard to your liking.

What we don’t like: WalletHub does not offer services that can lower or cancel your bill for you. Also, to have your bill automatically tracked, you will need to pay for a premium account. WalletHub’s premium account is $47.90 for the first year and $95.90 per year after that.

Rocket Money

Average App Rating: 4.6 / 5

Rocket Money allows users to view their upcoming bills so they can see what’s due and avoid late fees. They can also see all their recurring bills in a list view to avoid losing track of them.

What we like: Rocket Money is one of the few apps that allow you to automatically track your bills for free. They also offer services that will negotiate your bills on your behalf and cancel subscriptions that you no longer need.

What we don’t like: Rocket Money’s bill negotiation and cancellation assistance services are not free. For example, their bill negotiation services will cost you 35% to 60% of whatever you save over the course of a year. The exact pricing for cancellation assistance service is not very transparent, but users typically pay between $6 and $12 per month for premium features.

Experian

Average App Rating: 4.8 / 5

Experian is one of the three major credit bureaus, and it offers free access to your credit score and report as well as the ability to track recurring bills. To track your bills, you will need to sync your financial accounts, and then Experian will scan your accounts to detect recurring charges.

What we like: Experian offers to negotiate with your provider to get you a lower rate on your bill. If Experian can get you a lower rate, the company says you will get to keep 100% of the savings. It can also cancel subscriptions that you don’t need anymore.

What we don’t like: Experian will only offer to negotiate or cancel subscriptions on your behalf if you have a paid Experian subscription, which costs $24.99 per month. Also, unlike all the other apps on this list, Experian does not give you the ability to make a budget with its app. Making a budget is a core part of managing your finances, and lacking the ability to do this makes it difficult to track all your expenses.

Monarch Money

Average App Rating: 4.8 / 5

Monarch Money’s bill tracker automatically detects your recurring bills and places them in one spot, so you never lose track of what you are paying for. It also can help you find subscriptions you may have forgotten about.

What we like: Monarch Money allows you to view your recurring bills in a list or a calendar view. The calendar view is especially helpful so you can easily see when bills are due. Monarch Money will also send you notifications, so you don’t forget to pay your bill.

What we don’t like: Monarch Money does not offer a free plan, so you will need to pay for an account before you can access any of Monarch Money’s features. An account costs $14.99 per month or $99.99 per year. The app also does not offer any services that will negotiate to lower your bills or cancel any subscriptions for you.

Simplifi by Quicken

Average App Rating: 4.4 / 5

Simplifi is a finance app developed by Quicken. It is a basic consumer version of the Quicken business software, and it can help people manage their spending and plan for the future.

What we like: Simplifi lets you see all your recurring bills in one list view, along with your due dates, so you can avoid missing a payment and incurring costly late fees. The app also makes it easy to visualize how much of your income you have left to save and spend, since it estimates how much you will spend on your bills for the month.

What we don’t like: Simplifi doesn’t have a free app. Users have to pay $2.99 - $5.99 per month to access any of the app’s features. The app also does not provide any services that can help you lower your bills or cancel them.

Copilot Money

Average App Rating: 4.6 / 5

Copilot Money detects your recurring bills and displays them in a monthly view so you can easily manage your bills. The app uses AI to learn your spending behaviors and helps you budget better.

What we like: Copilot Money offers many features that allow you to closely track your bills. For example, you can split recurring bills if you are sharing an expense with someone else, set a bill to the frequency you want, and pause a recurring bill if you want to remove it from your budget. The app also uses AI to categorize your bills automatically.

What we don’t like: The app is only available for Apple products, such as an iPhone or a Mac computer. Also, the app will list your bills but does not provide any assistance to help you lower them. In addition, you will need to pay for a subscription to access any features on Copilot Money. A subscription for the app costs $13 per month or $95 per year.

Honeydue

Average App Rating: 4.4 / 5 

Honeydue is a completely free app, so you can access all the features at no additional cost. The app is specifically designed for couples to help them better manage their finances – including bills – together.

What we like: Since Honeydue is a completely free app, you can track all your bills for free. Honeydue also sends bill reminders to help you avoid missed payments and lets you and your partner chat about bills within the app. 

What we don’t like: Honeydue does not offer services that can help you lower your bills. You also cannot use the app on a web browser.

PocketGuard

Average App Rating: 4.5 / 5

PocketGuard lets you get a clear overview of your bills and subscriptions by putting them in one list so you can stay on top of your recurring charges. PocketGuard does have a free plan, but you can access more advanced budgeting features with a paid account.

What we like: PocketGuard lets you track your bills with a free plan. It also allows you to sync your financial accounts for easy tracking and will notify you three days in advance of an upcoming charge, so you can make sure you have the money to pay for it. In addition, PocketGuard does offer a feature that can help you lower your bills.

What we don’t like: If PocketGuard is successful in helping to lower your bills, you will have to pay them a cut of your savings. You will also have to pay to access some of PocketGuard’s advanced budgeting features, such as the ability to make debt payoff plans, import and export transactions, and customize budget categories. A premium PocketGuard plan is $12.99 per month or $74.99 per year.

Albert

Average App Rating: 4.6 / 5 

The Albert app uses AI to detect recurring bills and find ways to save you money. It also gives you access to your credit score and provides 24/7 credit and identity monitoring to help protect your information.

What we like: Albert automatically detects your bills and subscriptions and offers to negotiate to lower your bill for you or cancel services you no longer need. The app will also notify you of any price increases, so you can adjust your budget accordingly.

What we don’t like: You will need to have an Albert Cash account and pay a Genius account fee to get access to the bill lowering services. Also, Albert does not have a free plan, so you will need to pay for a premium account to access any features on the Albert app. A plan costs $14.99 to $39.99 per month.

TimelyBills

Average App Rating: 4.5 / 5

TimelyBills’ lets you automatically track all types of recurring bills, whether they are monthly, bi-weekly, or weekly. It also lets you set up bill reminders so you can avoid missing a payment.

What we like: TimelyBills does offer a free plan, so you don’t need a subscription to track your bills. You can also choose to see your bills in a list view or calendar view for easy tracking, and you can customize the frequency and timing of your bill reminders.

What we don’t like: The free account only comes with limited bill tracking capabilities, though you can get an unlimited bill tracking plan for as low as $0.99 per month. To have the ability to sync your accounts, you have to pay even more, with plans starting at $5.99 per month. TimelyBills also does not offer services that will help lower your bills or cancel them.

Best Bill Tracker Apps Comparison

Tips for Choosing the Best Bill Tracker App

Compare prices.

Very few of the best bill tracker apps let you automatically track your bills for free, and the ones that do don’t offer as many advanced budgeting features as paid plans. If you opt for a paid subscription, look for a plan that gives you the most features for the price you can afford to pay. It’s a good idea to do a free trial if the app offers one, so you can test it out and see if it’s worth spending the money.

Choose an app with account syncing.

There are some good apps like BillOut and Bill Tracker Pro that let you track your bills manually if you’d rather not enter your bank information on an app. However, picking an app that offers automatic account syncing will make tracking your bills much easier. This allows you to sync your financial accounts, such as bank accounts and credit cards, to have all your transactions automatically tracked. The app may even be able to detect recurring bills you may have forgotten about.

Check the app’s security measures.

Since you will be providing a lot of personal financial data, you want to choose an app that has strong security protocols to ensure your information is protected. The bill tracker app should encrypt your data and offer security features such as multi-factor authentication or Touch ID that can help prevent hackers from accessing your information.

Determine if the app is easy to use.

An app will be no good to you if you can’t figure out how to use it. You should choose an app with a user-friendly interface that makes it easy to track your bills. It’s also helpful if there are guides or tutorials that can help you navigate the app.

Compare the bill management features.

You should compare the different features that are available with each app’s bill management tool. Some apps offer features like the ability to set up payment reminders, see your bills in a calendar view, or get assistance with lowering your bills.

Consider all the other features.

You should compare all the features available on the app, not just the bill management tool. For example, some apps allow you to make budgets, access your credit score, and track your net worth. These things could be very helpful in improving your finances overall.

Methodology

WalletHub’s editors compared 17 app options to find the best bill tracker apps. We focused on the following factors:

• The availability of a free plan
• The ability to automatically detect your recurring bills
• The ease of viewing and tracking bills in one location
• The availability of a subscription manager feature
• The availability of services to lower your bill and cancel subscriptions
• Budgeting features included in the free plan

We also considered the average app ratings from Google Play and the App Store for each company.