How it works

BillSmooth divides your money into virtual "buckets" — one for rent, one for insurance, one for the holiday fund, whatever you need. You 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. No scrambling, no surprises.

Your data stays with you

BillSmooth is fully local. All your accounts, balances, and transactions live on your device — nothing is sent to our servers, because there aren't any. You don't need to create an account to use it.

Your data is automatically backed up by your phone's built-in backup system (iCloud Backup on iOS, Google Auto Backup on Android). You can also export a JSON copy at any time from the Settings screen.