As far as money apps go, BillTracker is less about budgeting and more about reminding. So for anyone who's ever been hit with a late fee for being a day or two late, the app is a valuable tool to help you stay current on all your bills, which ultimately may improve your credit. Here's our review:
What I Like
The user interface is simple and easy to use. Hit the “Accounts” tab in the navigation to begin adding your bills. Type in the account name and account number, website and phone number (optional) to get started. Next, enter the amount, due date and whether the bill is auto paid. You also can set up recurring bills that occur weekly, bi-weekly, every four weeks, every month and beyond.
Once you've added all your bills, you'll see a list of them on the “Accounts” screen, along with the number of days before the billing due date. For example, under ‘Cable & Internet,” it lists three days in numerals. Using a color-coded system, BillTracker lets you know the urgency of the due date. Bills with a longer lead time are highlighted in blue, any bills due soon are highlighted in orange, while overdue items appear in red. Subscribe to alerts and BillTracker will send you reminders within three days of your due date. When you log into the app or just look at the icon on the home screen on mobile, you'll also see a highlighted number, another way BillTracker reminds users of upcoming due dates.
The app is effectively a monthly bill organizer. Not only can you keep track of billing due dates, you can export all the information you've added to a CSV file, perfect for importing into Excel or Google Sheets. If you add account phone numbers and website links, you can call your providers or click through to their website directly from BillTracker. For anyone who's ever rummaged through their night stand or mail tray searching for an old bill with a customer service number, this is a simple way to consolidate all that information in one place.
Hmm, Not So Much
Automation is the mark of a good app, and that's largely missing here. There's no importing of transactions from your bank — you must manually add every detail of every bill. Even after this, you have to mark each transaction as paid.
Also, it's unclear what do you do about recurring bills with variable costs each month (which is practically everything except your rent/mortgage and insurance). Do these have to be entered manually every month? A workaround could be that you overestimate the monthly bill amount or enter the average from recent months.
If you already get email payment reminders from your utility company or other service providers, this app won't be as useful to you. I don't see much of a distinction between BillTracker and these alerts, except for the real-time reminders.
And if your bills are on autopay, which is what my husband and I do, then you don't really need this app. However, it's a good reminder to make sure your checking account has enough in it to cover these automatic drafts. But if you selected this payment option in the first place, then this probably isn't much of a concern.
Also, BillTracker only is compatible with Apple devices, so if you have an Android device you're out of luck.
What Others are Saying
Overall, users seems to love the app. The interface is pretty basic, which aligns with the purpose of this app as a pure utility tool — no fancy importing of transactions or long-term financial goal setting here.
A few users did complain about aspects of the app that weren't user friendly, like using calendar mode to easily see what's due within the window itself rather than having to click the date twice and view the corresponding information in another window. A small popup box on the calendar page would solve this problem.
Anyone who needs a basic tool to keep track of their bills. The setup process only should take 30 minutes and after that you'll get ongoing reminders that will help you avoid late fees in the future.
Not Good Forâ€¦
Anyone who autopays their bills. Also, if you have trouble remembering when your bills are due in the first place, wouldn't it be reasonable to think you'd also have trouble entering your bills and the corresponding due dates into the app? If there was a way to automate this for the seriously forgetful among us, BillTracker would provide its users with even more of a service.
BillTracker also isn't good for couples who want to keep track of their billing due dates, since multiple users can't share one account on the app. If only one spouse gets the reminders, then the onus is on him or her to pay the bills on time.
Budgeting (Free or Paid)
$2.99, but BillTracker Lite is free (though you won't get the same features).
7.5 out 10
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