Track bills, income & benefits. See what's safe to spend.

My Bills is a simple bill planner and budget tracker for organising bills and expected income without linking a bank account or using a complicated finance app.

Whether your income comes from wages, Universal Credit, PIP, Child Benefit, a pension or something else, My Bills helps you see what is coming in, what still needs to go out and what you can safely spend.

Keep your Current Balance up to date, mark bills as paid and income as received, and My Bills gives you one clear Safe To Spend figure:

Safe To Spend = Current Balance + income still to come − bills still to come

SIMPLE BILL & INCOME PLANNING

• Add bills and expected income
• One-off and recurring items
• Mark bills as paid and income as received
• See Past due, overdue and completed items clearly
• Search bills and income quickly
• See what is still due before spending

FLEXIBLE BUDGET PERIODS

Budget around the way you are actually paid.

• Use calendar months or custom budget periods
• Ideal for payday-to-payday budgeting
• Each period has its own Current Balance
• Move between periods without mixing balances
• Original bill and income dates stay unchanged

FLEXI ITEMS

For bills or income where the amount changes.

• Change an occurrence without changing future defaults
• Use Anytime Flexi when there is no fixed due date
• Add a due date when needed

CUSTOM CATEGORIES — FREE

• Create category names and colours
• Keep Bill and Income categories separate
• Assign items individually or in bulk
• Switch between Date and Category views
• See category subtotals

REMINDERS

Set local reminders for bills and expected income 3, 2 or 1 day before, or on the due date.

Choose your reminder time and control Bill and Income reminders separately.

Notification content is designed not to expose names, amounts, balances or notes.

SAVINGS POTS

Track savings separately without changing Current Balance or Safe To Spend.

ANDROID HOME-SCREEN WIDGETS

• Safe To Spend
• Next Bill
• Budget Summary
• Full Overview

Widgets are designed not to display bill or income names.

YOUR DASHBOARD, YOUR WAY

• Date or Category grouping
• Search
• Show or hide Savings, Overdue and Completed
• Light, Dark or System theme
• Supported currency selection

BACKUP & RESTORE

Create and restore JSON backups.

PRIVACY-FOCUSED BY DESIGN

My Bills does not require:

• A bank connection
• A CKA Systems account
• CKA Systems cloud storage for your financial data
• Advertising

Your budgeting data is stored on your device and is not uploaded to CKA Systems or its servers.

Bill and income names, notes, Current Balance, Safe To Spend, amounts, financial dates and search text are not sent to CKA Systems.

My Bills includes optional privacy-limited usage analytics using Firebase Analytics.

Analytics are off until you choose to allow them. You can decline without losing app functionality and change your choice later in Settings.

Analytics show general app and feature usage, not your budget contents.

Core budgeting features work offline.

FREE

All My Bills features are available in the Free version.

Free supports up to:

• 8 Bills
• 5 Income items

Recurring items use one Bill or Income slot. Repeating occurrences do not use extra slots.

MY BILLS PREMIUM

Premium removes the quantity limits:

• Unlimited Bills
• Unlimited Income

Choose a monthly or annual subscription through Google Play.

Prices, billing periods and renewal details are shown by Google Play before purchase. Subscriptions can be managed or cancelled through Google Play.

If Premium ends, nothing is deleted. If you're over a Free limit, you'll choose which 8 Bills and/or 5 Income items stay active. The rest are safely paused until Premium returns.

No bank sync. No ads. No complicated finance dashboards.

Just your bills, your income, your balance and a clear idea of what is safe to spend.

My Bills is a budgeting and planning tool and does not provide financial advice.