Best Personal Finance Tools for Tracking Bills
Late fees, missed payments, and scattered due dates can throw off your entire budget. That’s where bill tracking tools come in—they help you stay organized, avoid surprises, and stay ahead of your finances. Whether you want basic reminders or an all-in-one dashboard, these tools will help you track bills and take control of your monthly cash flow.
Here are the best personal finance tools for tracking bills:
📅 1. Prism
Best For: Automatic bill tracking and payment in one app
Why It’s Great:
Prism syncs with thousands of billers and shows all your upcoming due dates in one clear timeline.
✅ Key Features:
- Auto-imports bills and due dates
- Pay bills directly through the app
- Calendar view for monthly planning
- Alerts for upcoming due dates
💵 Price: Free
🔗 prismmoney.com
💳 2. Mint (by Intuit)
Best For: All-in-one money management with bill alerts
Why It’s Great:
Mint tracks your bills by scanning linked accounts and sends reminders when due dates approach.
✅ Key Features:
- Automatic bill tracking
- Budget and net worth overview
- Alerts for bills, subscriptions, and overspending
💵 Price: Free (ad-supported)
🔗 mint.intuit.com
📲 3. PocketGuard
Best For: Real-time budgeting with bill tracking built in
Why It’s Great:
PocketGuard factors in your upcoming bills when showing you how much “spendable” money you have.
✅ Key Features:
- Tracks recurring bills and subscriptions
- Shows how much is safe to spend
- Sends reminders for due dates
💵 Price: Free basic version; Plus version ~$7.99/month
🔗 pocketguard.com
📘 4. Truebill (now Rocket Money)
Best For: Bill tracking plus canceling and negotiating services
Why It’s Great:
Rocket Money shows your recurring bills, notifies you of upcoming charges, and can cancel or negotiate bills on your behalf.
✅ Key Features:
- Bill tracking and alerts
- Subscription management
- Bill negotiation services
💵 Price: Free with optional premium (~$3–12/month)
🔗 rocketmoney.com
💡 5. BillTracker App (iOS)
Best For: Simple, manual bill tracking on iPhones
Why It’s Great:
If you prefer manual control, BillTracker offers a clean interface to manage all your bills in one place.
✅ Key Features:
- Enter bills manually with due dates and amounts
- Push notifications for upcoming payments
- Organize bills by paid/unpaid status
💵 Price: ~$2.99 (one-time purchase)
📱 iOS only
🔎 Available on App Store
🧾 6. BILLS Monitor (Android)
Best For: Android users who want a basic bill tracker
Why It’s Great:
BILLS Monitor helps Android users schedule and track recurring bills without syncing bank accounts.
✅ Key Features:
- Easy manual bill entry
- Reminders and notification alerts
- Calendar view of due dates
💵 Price: Free with in-app purchases
📱 Android only
🔎 Available on Google Play Store
🧮 7. Excel or Google Sheets + Bill Tracker Templates
Best For: Full customization and control
Why It’s Great:
Spreadsheets are ideal if you want to design your own system with all the categories and notes that matter to you.
✅ Key Features:
- Track due dates, amounts, payment status
- Visual charts and formulas
- Shareable and editable across devices
📌 Tip: Use free templates from Vertex42 or Google Sheets gallery
💵 Price: Free
🧠 8. YNAB (You Need A Budget)
Best For: Proactive budgeting that includes upcoming bills
Why It’s Great:
YNAB helps you assign money to bills before they’re due, so you’re never caught off guard.
✅ Key Features:
- Assign dollars to each bill in advance
- Set recurring transactions
- Alerts for overspending or upcoming due dates
💵 Price: $14.99/month or $99/year (34-day free trial)
🔗 ynab.com
📊 9. Monarch Money
Best For: Couples and long-term planners
Why It’s Great:
Monarch includes bill tracking as part of a larger money management platform, ideal for shared budgeting.
✅ Key Features:
- Automatic bill tracking from linked accounts
- Goal setting and cash flow forecasting
- Shared access with partners or family
💵 Price: $14.99/month or $99/year
🔗 monarchmoney.com
📘 10. Simplifi by Quicken
Best For: Modern, intelligent bill tracking and budgeting
Why It’s Great:
Simplifi learns your recurring bills and subscriptions, then tracks them on a monthly dashboard with projections.
✅ Key Features:
- Tracks recurring bills and income
- Alerts for upcoming payments
- Visual cash flow planning
💵 Price: ~$3.99/month (annual billing)
🔗 quicken.com/simplifi
Final Thoughts
Tracking bills is essential to avoid late fees, maintain good credit, and stay in control of your cash flow.
- Want automation and alerts? Try Prism, Rocket Money, or Mint.
- Prefer manual control? Bobby, BillTracker, or a spreadsheet will do the trick.
- Looking for full-featured budgeting with bill tracking built in? Go with YNAB, Simplifi, or Monarch.
Pick the tool that best fits your lifestyle—and never miss a due date again.