Free to start — no bank connection required

Know what you owe.
Before it's due.

BillFlow is a shared tracker for households — bills, savings goals, and debt payoff, all in one place, with a daily email that tells you exactly what needs attention.

Total Bills

$1,840

Paid

$1,100

Due This Week

3

Overdue

0

Monthly progress60% paid

Electricity

Utilities · the 5th

$142.00$60.00 remaining

Streaming bundle

Subscriptions · the 9th

$32.00Due in 7 days

6

Recurrence types

$0

Bank connection needed

2

Ways to track: bills & goals

1

Daily digest, not endless pings

What it does

Everything a household needs to stay ahead

Attention Required

Never wonder what needs a look

Overdue bills, due-today, due-soon, and approaching shutoff dates all surface automatically in one panel — sorted by urgency, not by whichever bill you happen to remember.

⚠️Attention Required
WaterOverdue · Sep 1
Phone BillDue today
GasDue in 2 days
Savings & Debt

Track goals, not just bills

Set a target for an emergency fund or a balance you're paying down — a total amount, an optional monthly target, and every contribution or payment logged individually, so progress is never a guess.

Emergency Fund

$3,200of $10,000

32% saved · $6,800 to go

Daily Digest

One email, once a day — never a flood

Turn on exactly the alerts you want: due soon, due today, overdue, grace period, extension ending. A real email goes out once daily, and only when there's actually something to report — nothing when there isn't.

2 bills need attention

WaterOverdue · $48.00
InternetDue today · $65.00
Reports

See where it's actually going

Spending by category, paid-versus-total by month, highest bills, and what's still upcoming — built from your real recorded data, not estimates.

Housing
Utilities
Insurance
Other
Shared Households

Built for two, not just one

Invite a partner or roommate by real email. Once they accept, you're both looking at the same bills, the same payment history, the same goals — with each person free to set their own color theme.

Smith Household

SkyOwner
JordanMember
Why BillFlow

What actually makes it different

Every recurrence, correctly

Weekly, biweekly, monthly, quarterly, yearly, or one-time — each occurrence is generated and preserved, not overwritten month to month.

Partial payments, tracked

Pay $100 toward a $150 bill and it stays accurate — the remaining balance is tracked until it's fully covered, not forced into an all-or-nothing flag.

No bank connection

BillFlow is a tracker, not a payment processor. It never asks for bank credentials and never moves money on your behalf.

Your own theme

Every person in a household picks their own color theme — full color wheel, applied everywhere, independent of what anyone else in the household chooses.

One place, not five spreadsheets

Bills, income, savings goals, debt payoff, and payment history all live together instead of scattered across separate trackers.

Honest about what's real

If a feature isn't fully wired up, BillFlow says so plainly instead of faking a confirmation. What you see is what actually happened.

Free to start. No credit card. No bank connection.

Create your household and add your first bill in under a minute.

How it works

Three steps, not a setup wizard

1

Create your household

Sign up, name your household. You can invite a partner or roommate any time afterward.

2

Add what you're tracking

Bills with real due dates and recurrence, plus any savings goals or debt you're paying down.

3

Check the digest

One email a day tells you what needs attention — or nothing, on days when nothing does.

Get ahead of this month's bills

Free to start. Add your first bill in under a minute.

Create your account